I wonder if the insurance payments (~$65 per month) is enough to cover the ongoing healthcare costs even when everybody has to pay up. I mean, if it was as si

I wonder if the insurance payments (~$65 per month) is enough to cover the ongoing healthcare costs even when everybody has to pay up. I mean, if it was as simple as charging everybody 65 bucks, you'd think the US wouldn't have the problem where many people can't afford to pay for medical care.