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It probably would work if you had a large enough pool of people, but how much bigger can you get than if 300 million people were pooled together and collectively they negotiated rates on drugs and doctor visits? Thus the ultimate idea of some form of universal coverage.
Where your idea kind of falls apart is that you need someone to manage all this. Good luck getting Kenny in apartment 5D to take care of this when he can't even turn the volume of his TV down after 10 PM. But I think obama care kind of does this on a state level. I could be wrong, but I think that's what the various marketplaces they talk about are. But each state manages it differently. Not shockingly, red states tend to mismanage things and offer worse services than blue states. In the end it is all a crutch. This should be on a national level like every other industrialized nation offers.
No disagreement there! Only comment is that Kenny in 5D can't possibly be worse than Carol in HR lol
Kenny in 5D actually died 2 weeks ago but his body hasn't decomposed yet because he has his AC set for 65 degrees. Eventually it will stink up the place and force Tom in 4D to relocate for 3 weeks as his apartment is cleaned up after Kenny in 5D's body liquefied and soaks through the floor and into Tom in 4D's ceiling.
If only Kenny had managed their HOA health plan and gone to see his doctor in time.
Poor Kenny in 5D. RIPeace
"Where your idea kind of falls apart is that you need someone to manage all this"
This is nearly nonsensical. It's not a completely fleshed out idea, but just because the commenter hasn't named a possible manager doesn't mean it's bad.
You think anybody is gonna make the perfect proposal to solve our problems in 50 words or less?
Back in his heyday Kenny in 5D could have. But not after his divorce. That really broke him. He missed his kids, but that bitch of an ex wife wouldn't let him see them. He was just a shell of a man after that. Of course now Kenny in 5D is dead. Rest in peace, Kenny in 5D.