How can we expect private health insurance to ever compete with the government option, when an insurance company has an obligation to its shareholders to make a profit (I know- evil word) and the government can just raise taxes a bit more to cover any losses?
The biggest problem, IMHO, is that too many people have the attitude that health insurance, unlike car or homeowners insurance, should pay 100% of all their health expenses, instead of being limited to catastrophic situations.
If my car insurance covered broken fan belts, tune ups, and new tires, it'd be far more expensive, too.
Lets let health insurance cover the situations which DO cause financial catastrophe for a family. Cancer. ALS. Parkinson's. Accidents.
Let's let individuals & small business form pools, and even buy insurance across state lines. Let's expand HSA savings plans, where a high deductible plan is purchased, the savings go into an account for you, and you can roll that savings over from year to year to cover basics. I've got that at work and LOVE it!
Complaints about the cost of drugs? Do you really know how many millions are spent developing those drugs, and how short a time pharmaceutical companies have to recoup that cost? Let companies keep the patent on drugs another 3-5 years and prices would go down, since there's more time (and more prescriptions written) to recover the investment.
And let's look at some serious tort reform. Doctors often pay tens of thousands in liability insurance because of ludicrous lawsuits. Nobody's arguing that a mistake should be without financial loss for the doctor involved, but there are too many cases that just go way over the top. Not to mention any names, but there's a certain former VP candidate who supposedly 'channeled' the spirit of a baby who'd died, allegedly due to medical malpractice.