Maybe it hasn't worked that way so far in the USA, Rig, because the powers that be would actually like the situation to be inconsistent and complicated and unfair precisely for the purpose of making Americans angry and reactive and confused, and keeping them suspicious about the possibilities of bringing in a socialist universal health care system.

If so, their plan to block reform of a very bad system has succeeded rather well, hasn't it?

The Health Insurance companies and Big Pharma want you to fear change, so why wouldn't they do everything in their power to keep Americans ignorant of elegantly simple solutions to seemingly complex problems...problems that are to the insurance companies' advantage?