Hard disagree on that - I would be much better of with a US health insurance were there weren't months of waiting time for treatment.

Sure if I am unemployed I would be better of with the version we have in Denmark, but I won't be unemployed for long. And if I get a disability, I have private insurance for that too, because the public one isn't good enough.

The unemployment insurance portion I pay will pay out something like 1/2 my salary, but because everyone pays the same in I am subsidising those who are much more likely to be unemployed (bricklayers in winter, to make a simple example). Oh and many of those are going to get most of their salary paid out because they are not over the cap.

So to sum up: by having a single system everone pays into you are going to be put together with people who have an entirely different risk profile and you will be better of in a system were you could choose your own insurances.

Then of course I am also subsidicing all the drug users and alcoholics, but thats also an issue in the US, because society has decided that we must.