Who, exactly, is going to be worse off in the proposed system you're arguing against, Ziggurat?
People on low incomes will have access to healthcare free at the point of need. They may not be able to afford extra bells and whistles on that, but they can't afford anything at the moment.
People on middle incomes will be able to access the healthcare system they're currently paying for, if they want to. And if they don't want to, or want extra provision, they can take out more insurance, or pay for it up-front. They have one more choice that they didn't have before, and no reduction in choice.
The rich will get what they want when they want it like they always do. They won't want to access the public healthcare system, probably, but that won't affect them in any material way. Indeed, it may advantage them further, because it is probable that they will have more exclusive access to expensive facilities that don't have to take any responsibility for looking after the Great Unwashed emergency cases.
So who actually loses out, and how and why?
Rolfe.