If the goal remains to provide comprehensive insurance all people, then I think you are correct. There is no functioning market where the marginal cost of going to a doctor is artificially low because of insurance and there is no competition between providers. As I said in an earlier post, all that does is raise the demand for services and since there is no functioning market, there will not be a corresponding supply side response like you see in a market. The goal of universal insurance is a stupid one and doomed to failure. If politicians don't have the stomach to get back to market forces where the cost of routine care is based on an arms length transaction, then the quality of service, or price, or both, will suffer. It's basic economics.