As far as your constant attempts to make the insurer the boogeymen:

looking for every loophole, advantage and maneuver to avoid compliance

There are no loopholes or manuevers.  What actually exists are fines, penalties and lost customers and jobs for non-compliance.  I submit you, who only have experience as a consumer, have no idea what you are talking about.  You have no proof to support this statement.  If you do, please provide it.  

Hyperbolic statements don't help drive an informed discussion, they sound great, but often don't deal w/reality.

Netherlands:

All Netherlands residents are required to purchase health insurance, which is provided by private health insurers that compete for business. The insurers can be either for-profit or non-profit, but are tightly regulated by the federal government, and are required to accept every resident in their coverage area, regardless of preexisting conditions.

Managing cost:

{Borowitz} points to the Netherlands' strong system of high quality general practitioners that act as gatekeepers to specialized care as a success in helping to keep costs down.

Canada - gov't mostly provides healthcare:

The average Canadian family pays about 48 percent of its income in taxes each year, partly to fund the health care system. Rates vary from province to province, but Ontario, the most populous, spends roughly 40 percent of every tax dollar on health care, according to the Canadian Taxpayers Federation.

Of course, they still have issues w/waiting lists and the like:

An estimated 4 million of Canada's 33 million people don't have family physicians and more than 1 million are on waiting lists for treatment, according to the Canadian Medical Association. Meanwhile, some 200 physicians head to the United States each year, attracted by lower taxes and better working conditions. Canada has 2.1 physicians per 1,000 people, while Belgium has 3.9, according to the Organization for Economic Cooperation and Development.

France -

France, like the United States, relies on both private insurance and government insurance. Also, just like in America, people generally get their insurance through their employer.

In France, everyone has health care. However, unlike in Britain and Canada, there are no waiting lists to get elective surgery or see a specialist, Dutton says.

In France, the national insurance program is funded mostly by payroll and income taxes. Those payments go to several quasi-public insurance funds that then negotiate with medical unions to set doctors' fees. (Doctors can choose to work outside this system, and a growing minority now charge what patients are willing to pay out of pocket.) The government regulates most hospital fees. This system works collectively to keep costs down.

In spite of that they still have issues:

France, like all countries, faces rising costs for health care. In a country that's so generous, it's even harder to get those expenses under control.

Last year, the national health system ran nearly $9 billion in debt. Although it is a smaller deficit than in previous years, it forced the government of President Nicolas Sarkozy to start charging patients more for some drugs, ambulance costs and other services. Debates over cost-cutting have become an expected part of the national dialogue on health care

The root cause of our problem is not boogeyman or imagined bad actors, it is the same as it is in every country, the cost of services, i.e. provider payments, drugs, utilization of certain high-cost services, etc.

Healthcare reform is but an example, but illustrates the point succintly.  We need to let go of preconceptions and be prepared to compromise when dealing w/data that supports multiple ways of confronting an issue.

Frankly I see a lot of GIGO problems with the Oswald did it shows, and that would appear to be the case with any doc claiming Jackie would have to be in the line of fire with a shot from the knoll, the place from which shots were heard and to which numerous eyewitnesses ran in the moments after the gunfire ceased.  That's where gunsmoke was also detected.

Top JFK aides O'Donnell and Powers, in the car right behind, also later stated they heard shots from the knoll, smelled gunpowder, but were told by the FBI not to testify to that effect.