I mentioned "cheapest". The American private insurance model is clearly not the cheapest. Americans pay about twice as much as other industrialized nations for health care, with the added bonus of many people not being covered. Worse, because the insurance system is employer-centric, many people are trapped in jobs they hate for fear of losing their insurance, starting your own business without a spouse who provides insurance is incredibly risky and maybe impossible, and small businesses are at a massive cost disadvantage relative to big corporations because of the administrative overhead of health insurance.

The current American system is completely idiotic. It's incredibly expensive, it's inconsistent and unreliable, and it undermines the basic American value of working where you want or starting your own business.