Private health insurance companies are the reason for our current mess, not the "complexities" of our culture. Our healthcare delivery system has tons of parasites attached to it: private healthcare insurance, medical billers and departments that have to deal with private insurance company red tape, unnecessary medial records keepers (every country with a decent health care system has a centralized record keeping system). This is billions of dollars in wasted money, every year.
If we had even a 20th century level (not even 21st century)healthcare system, tens of thousands (or more) of unnecessary health insurance and healthcare admin staff salaries would go away. We pay so much more and have to deal with so much more red tape (but it's private companies' red tape, so it's better!

).
Anyone who thinks that a for-profit scheme is the best way to deliver a public good like healthcare is an idiot who doesn't understand how the modern world works.