I don't think Mac missed the point. The point he was making was the old system had major problems also. The old system was ok if you worked for a company who helped subsidized the cost to you or got great rates because of the number of employees it had.

But if you worked for a company that did not have a health plan or had a pre-existing condition then those people were f***ed. Insurance companies only want to insure healthy people and collect premiums. If you got a condition then the insurance company would cancel your policy if they had a chance, such as a missed premium.

Then those people who didn't have insurance would go to Emergency Rooms and run up big bills and never pay them. Who do you think ended up paying those bills. You did, because the hospital would raise the rates to insured patients to compensate for those unpaid bills.

The idea is good, but it needs a lot of work.