The problem with single payer is that its too expensive and then the quality of care suffers. Employer-based health care is good because they pay most of the cost of your coverage and you pay a smaller portion. I'll never forget when I went on Cobra after I lost my job years ago. My monthly payment went from $300 when I was employed to $700 on Cobra.

There used to be plans available that only provided catastrophic coverage, but Obamacare eliminated them. My husband had a plan like that at work. We had insurance through my company but after I lost my job, going on his plan wasn't an option because of Obamacare. Oh well.

I've lived on Social Security and Medicare for five years now and its been great as long as I supplement them. You can't rely on them for 100% of your needs but they're a Godsend for older people.