Well, for most of us, the system here doesn't work well at all
Define "most of us". Approximately 85% of the population in the United States has insurance coverage, therefore this is a superfluous statement at best.
Well, not to get off-topic Jaybird, but having coverage and having good coverage are too very different things. Insurance companies hiking rates, dropping people who get sick, capping coverage, not covering people with pre-existing conditiones, etc., etc., etc., are facts that bear my statement out. Now, the fact that I get health insurance at long last is the topic of this thread. If you'd like to whine about how you didn't get your way, start your own thread if you please.