Well, it's a common talking point. Have you looked into it? It's an honest question, who has the onus of responsibility for research? OP or me?
The US spends more tax money on Medicare and Medicaid alone than what some countries spend per capita on providing universal healthcare..
Maybe copy one of the systems proven to work. They come in many flavours, many of which do include private insurers and healthcare providers that do just fine.
And the further reduced the tone of ambitiously taking any questions (especially on HN) the more you sound like somebody who migrated from 4chan to mess with us