Insurance can be a very good system, especially when you take out investor markup from the equation (meaning, if the corporation is merely trying to stay profitable, instead of maximizing profits). However, regular insurance corps are allowed to discriminate their customers - teens pay more for car insurance, etc. And so, a healthy insurance program cannot be truely fair if people aren't batched into groups. As well, nationalised health care off-loads risky behaviour - smoking, for example. However, after looking at the numbers, it seems that health care is delivered most efficiently if it's nationalised - as long as there are sane methods of discouraging abuse of the system.