They have co-ops and there are ‘less greedy’ insurers out there but at the end of the day it’s slathering this idea on top of the existing framework when the framework itself is probably the real issue. Doctors/facilities need to defray costs of potential malpractice for example, and that adds to cost as opposed to a more efficient universal fund if they were all employed by a single entity (like a governmental department), small stuff like that, economies of scale for operational expense, having to compete to buy real estate for facilities, all adds up