pdq, just a few quick questions if you don't mind:

The system you outline seems reasonable in some respects, but can you name some countries that are using it now, and how many such countries are there? How many with single payer? How many with free medical care for everyone?

I don't know, I'm just asking.

It is true that the 'health care entities', as you call them, I would call them 'the insurance parasites', have by their nature a 'duty to stay profitable'. Why do we need them? Why not eliminate the middle man?

I won't question your stated profit margin for the HMO's. What is the average profit margin for ordinary health insurers? And is it true that most HMO's are co-ops, that is, owned by the doctors who are participating members? Once again, I was told that, I'm not certain that it's true.

If you can answer those I might have some more.