Thanks to JMvS for actually supplying *useful* information on the advantages and problems that the Swiss system has.
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Insurance companies are not charities; they are for profits. If you are seriously sick and have an insurance, guess who will pay the bill? What they are doing right now gives them profits.
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Because they are for-profits, it is their mandate to pay out as little as possible, to dump people who use the product, and maximize the profit. That is exactly the problem. Their mission charter is not to achieve a reasonable-cost-for-reasonable-health result. There is little serious competition because they're all using the same page from the same playbook. Many medical insurance companies USED to be non-profit - during the 80s and 90s, almost all of the non-profits were bought out by the for-profits to eliminate the competition.
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Unlike you, I don't see this the root of our health care problem. Imo, it's our policy to provide free health care to a portion of the population who consume this goods a lot.
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Then you haven't studied the problem and are unprepared to discuss it. Even those factions that support the status quo don't try to assert that.