First of all, Yes. Many people who are uninsured could get health care at reasonable costs. For example, the Frost family, assuming they didn't have some preconditions BEFORE Their accident, had private medical plans available for as little as 400 a month or so. It's just that most people who don't have insurance aren't LOOKING for insurance, because they don't want to spend ANYTHING.
Second of all, many of those, like the Frosts, qualify for government plans, either medicaid/medicare or SCHIPS or other state programs. They may not have figured it out or signed up, but if they bothered to look, they'd be covered. So why would ANY private company go to the trouble and expense of setting up a reasonable-cost child insurance plan for people making $50,000 a year, when the insurance company knows that anybody at that range that LOOKS for insurance is going to find a FREE SCHIP program that the private company can't compete with.
Third, once you eliminate the pool of people who simply don't want insurance, and people who if they bothered to look would get free insurance from the government, there's also people who if they looked would find their employer insurance is a great deal. Once again, a private company isn't going to make money tailoring a plan for people who COULD buy from their company, since they can't compete.
Fourth, now that you've eliminated all those people, you are left with such a small number of people, scattered around the country, that it's hard to even target them for advertising. And that group includes a lot of people that WOULD be expensive to insure, which is why they got dropped out of the equation. And yet there ARE some companies going after these people -- it's just that the total market is too small to encourage a lot of competition.
So it is impossible to take what we see today and use it to picture what would happen if companies were forbidden to offer insurance, and if the government stopped running insurance programs.
So what you’re basicly saying is that anyone who wants it can find insurance. Great. Case closed.
Now, stripping away the employer provide plans will not result in increased compensation.
Also, yanking all those people out from under employer plans won’t lower the costs of insurance across the board. They were a part of the insurance pool before the change. It would have no effect. You will have to lower healthcare costs to lower insurance rates.
Other than that, thanks for the comments.