Wait, so the two examples given are someone who can't figure out what their out-of-pocket costs will be, and someone who hasn't heard back about an application,

Wait, so the two examples given are someone who can't figure out what their out-of-pocket costs will be, and someone who hasn't heard back about an application, and your conclusion is that universal health insurance, which wouldn't have any out-of-pocket costs or out-of-network doctors and wouldn't have applications because everyone would already have it ... would be a bad thing? That seems a very strange conclusion to me. Health care in the US is a mess right now, public or private, largely because of the mess caused by extreme privatization. Half of the problems people have with health care would vanish overnight if we had universal health coverage.