The alternative to healthcare in which those who pay for healthcare insurance pay for those who do not pay for healthcare insurance, it is to have each person pay for his own healthcare, either through insurance or with his own assets. I have no problem with the Government paying for necessary healthcare for those who have no assets, through general taxation.
I suspect that we would not agree on a definition for necessary healthcare.
I agree that lack of competition is a severe problem. But the lack of competition comes through federal and local government regulations rather than the industry itself.
I, myself, am no worse off now than I was 8 years ago, but that is because I have been retired for 15 years, and am living off of the money I saved during my working life. I have a 32 year old daughter who lost her job 3 years ago and is now working at a job that pays less than her last one. Another daughter who is 42 retired from the Navy 3 years ago, and was unable to find a job for two years. She is certainly not better off than she was 8 years ago. I have no idea who your peers are, but you seem to be in a segment of the economy that is doing better than many others.