What would be wrong with some of opt-in system? Much like the SS that is being proposed. No doctor or client would be forced to deal with a federal system it would be their choice.
If the experiement falls on it's face (it most likely will) nobody loses and this whole converaation finally dies.
"What would be wrong with some of opt-in system?"
Hillary and other liberals don't see any such thing. For them, we are all in the same village, and we all should be under the same system.
As someone else on FR said, "Scratch a liberal, uncover a fascist".
Besides, they won't be able to fund it unless everyone is in it. They will have to be Robin Hood and take from the rich to fund it.