Pretty good but I suggest you back up even further and explain what insurance really is - a system for distributing risk. The US healthcare system is the best in the world. The issue is who pays. More specifically, who pays for those who can't pay for themselves. And even more specifically, how much healthcare do those who can't pay get and who decides?
Government is always the least efficient way to operate anything. Obamacare creates 114 new federal bureaucracies and that hasn't been taken out. If we all have to chip in to pay for all the high tech healthcare all the poor people need, even the illegal aliens, that is one thing. But it is much worse. We are also going to pay for legions of new government apparatchiks and then when "we" need healthcare, we'll be standing in lines like those for bread in the Soviet Union.
ps - You have permisssion to use anything I said in your paper.


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thank you, federal and state government, for protecting me from myself 

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