Excellent analysis of what is a gigantic problem in America. Single payer is indeed the only true long-term solution. Saying it will be too hard to implement, or that the government can't handle this because they can't even get the DMV right (^see above) is a total cop-out! Not solving a problem because to solution seems too difficult is NOT the American way. We must fight for single payer because the status quo is not working for the majority of Americans and things will only get worse. We are all worthy and deserving of health care, and I am sick of watching families have to fund-raise to cover long-term health care expenses. Having private health insurance from your employer is totally useless when you are sick or caring for a sick loved one and cannot work. And yes, we can all buy disability insurance if we can afford it - that should cover living expenses, not health insurance premiums! We have debated the issue and provided band-aids for long enough, it's time for real substantive change!
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