So what country should be our role model? Which
No, insurers have the incentive to spread risks, to create larger or more predictable risk pools. We need insurance as part of any health care delivery model, unless we adopt pay as we go, as we do for groceries.
The problem is we have a two-tier system. There's a reason why folks enrolled in a good employer health plan want to keep it. It provides you with affordable access to networks of good doctors, the kind who practice at Penn and Jefferson (the best doctor I ever had was at Hahnemann. It is crying shame to pass by that vast building's dead carcass whenever I walk to Race and Vine to get to a Phillies game.)
The ACA provides "affordable" access to individual private insurance, but at the cost of narrow networks. Medicare and Medicaid have network issues as well, which is one reason why Medicare Advantage is so popular. If you're coming out of a good private employer plan and you want to retain access to the doctors you're familiar with, then, voila, MA to the rescue.
All of this is getting more expensive, of course, because private employer plans indirectly subsidize care provided to other folks by hospitals that don't get paid enough by Medicaid/Medicare to otherwise cover their costs. Hospitals that serve a lot of, especially, Medicaid patients, are too often forced into merger or closure for a lack of private employer plan group business.
It's hard to change a two-tier system politically unless the solution benefits most consumers of health care.