If half the people do not have enough money saved for an unexpected medical expense, you are going to get socialized medicine.

Now you are in a government program.

Characteristics of gov programs; complicated, inefficient, and misery to users.

To make it more competitive, they have different insurance companies get involved.

But it is still a gov program.

There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self. -Ernest Hemingway
The man who makes no mistakes does not usually make anything.-- Edward John Phelps