Efficiency analysis does show that universal health care is cheaper. This partially reflects the economies of scale involved.Nobody is addressing the real problems of why healthcare costs so much.
This is completely wrong. We get a double gain with universal care: an increase in efficiency (see the empirical evidence into efficiency using input-output analysis) and a reduction in the losses associated with market failure.Instead, you are championing a plan to spread out coverage, reduce benefits, and raise the cost. To use your terminolgy, "irrational" at best.
My whole premise is based on efficiency criteria. We can of course also add equity concerns, as advertised by amenable mortality rates.Your sole premiss is that those who have should pay for those who have not. Not a winning proposition when you start to run out of those who have.