Ok if you are a startup, there is much less incentive to invest your time and energy into anything health care related as your return is noticeably less.(they set the terms)
Thus any advancements in medical care will ultimately be funded by the government via. you rather than the market. Will it be cheaper in the long run?
I think the fundamental difference is that some people personalize everything related to the health care system; understandably; and cannot/will not look at it from a completely logical standpoint.
We hate paying high insurance premiums, but time is the most valuable asset.