with the current system rich people can "waste" money on ear infections while the poor can't be treated for cancer. it's wasted money and lives both ways, and you can hardly claim it is worse than socialized medicine
I don't think you have a fundamental understanding on what insurance is and how an insurance company operates. Basically it's this:
X amount of money comes in from 1000 people for heath insurance. The insurance company, using science, estimates how much money they would have to disperse back out to pay hospitals, doctors, etc. for heath services of those 1000 people. The money going out must be less than the money coming in for those 1000 people in order for the insurance company to pay for it's administrative overhead AND make a profit, ie. extra money left over in order to make the purpose of a Business...a business.
The main way this can occur is that out of those 1000 people, a percentage of them are healthy due to genetics and lifestyle choices...they put money in the system but don't take much out. On the other end of the scale you have a percentage of the 1000 that are unhealthy due to genetics and lifestyle choices. In order for the insurance company to sustain a level of balance, the cost per the 1000 people will increase and or the administrative costs will need to be reduced. The administrative costs of the equation can only go down so low as to maintain a business, so like all business, the cost per the 1000 would have to go up.
So, as I was saying, part of the problem of why costs go up on the 1000 is due to too many of those people expending more and more money on temporary ailments that are not at a level that requires professional medical care. The more people add everything into a heath care insurance system to cover, the costs increase. Home insurance is to cover certain things, like a house fire...not for recouping costs of burning bread in a toaster.