Your observation is correct. The US had great health care. We broke the system by piecemeal adding government programs to enhance the care.

BTW: Employer based care is a horrible system.

It only covers people when they are employed. Employer based care depends on having a socialized system like Medicare to step in when people retire.

The easiest way out of this trap is to provide an alternative to employer based health care.

The market cannot create such a system because of government regulations. Sadly, There has to be a political debate.

The solution I propose starts by analyzing health care from a whole life perspective. It then creates financial tools to help people fund a life time of care.

!WINE