Healthcare can never, never be affordable unless there is some spending cap or limit on how much medical treatment a person can get. There will always be some new experimental procedure or drug that costs hundreds of thousands of dollars and has a low rate of success that will drain any insurance pool.
How much money do you put into a car before you decide to junk it? At some point it makes financial sense to stop fixing a car. Problem is that you can not easily make that logical decision about people. So at what point do you stop treating someone who will die any way? Who wants to make that decision???
The Social Security Socialist System is just as unconstitutional as government run health care. No where in the Constitution of the United States does it give authority to the Federal Government to run a retirement program. I believe the existence of the social security system has created a nation of people dependent on big government. The people who have some financially savvy would do far better to invest their money directly. The people who are financially ignorant are fooled into the false comfort that the “government” will take care of them in their old age. Ask any retired person and they will tell you that the payouts from social security are inadequate to live on.