Sorry Panick, but I just have to say this about Ayn Rand:

Crappy novelist.

REALLY crappy social engineer.

Which is not to say that the issues you mention are not valid ones. But HMOs, from which many of us get our health care, already deal with that stuff every day. Not perfectly, but they deal with it. The advantage to universal coverage is that it's far cheaper to treat people early in the course of their illness, not when they are critically ill or dying. Bottom line, with the current system we spend more than other countries and get worse results.