Universal Healthcare

I think there is a gulf of misunderstanding between 'liberals' and 'conservatives' or as I like to call them, people that want, want, WANT, gimme, gimme, GIMME party and the people that read the Constitution, government stay-out-of-my-business party. From my conversations with advocates of universal healthcare, I hear the points,
-Everyone deserves and needs access to quality medical care. Think of the children
-The cost of healthcare is too high for an individual or family to pay directly.
-People without insurance usually don't pay anyway, so that drives up the cost of healthcare and insurance for those that pay
-Government is the only entity big enough to run an universal healthcare program.
The truth
-Right now, everyone in this country can get quality healthcare
-The concept of insurance is rediculous, a person getting insurance bets that he will get sick, the insurance company bets that the person won't get sick. They then charge person a fee that is higher than the break even point of the equation. That is why the insurance company only pays for certain procedures. It is simple math. (Medical Cost x likelihood + profit)/(group of insured people) = Cost to individual Therefore, healthy people that pay for unused insurance that subsidizes sick people.
-People that receive a service from a healthcare provider should pay for the service. Healthcare is a service INDUSTRY sure doctors love to help people, but they also want to get paid for their work just as a carpenter gets paid for work. There are many places to go and receive healthcare free of charge.
-The truth is that conservatives want everyone to have healthcare, they just don't want the government to run it. It goes completely against the US Constitution. There needs to be multiple insurance providers, otherwise, the quality of healthcare becomes narrowly focused on particular procedures that are paid for and totally rejects the procedures that are newer or more risky. The government will have the ability to bully doctors into whatever suits the government. Basically, the government will be able to decide who lives and who dies.