As you form your observation, a few notes: Other developed countries have a variety of systems, but they typically do at least have a public option (available

As you form your observation, a few notes: Other developed countries have a variety of systems, but they typically do at least have a public option (available to all). US middle men are not trying to get a good price. US consensus failures on this are based on fear of the government, entrenched interests, lack of inspiration on what specifically to change, coincidental convenience as the status quo keeps people preoccupied and risk averse, and a large very sick population that really would massively increase taxpayer costs in the first several years no matter how it would equalize in a longer term.