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So it is the government negotiating & setting pricing that leads to affordable health care not who is the transfer agent for payment.

Are you sure?

I note that the US government does not negotiate & set prices for food, and yet there's abundant affordable food.

Only in a few areas of the US does the government get involved in setting prices for housing, and those areas develop housing shortages only a few years after the government gets involved - and primarily in those price ranges where the government is most involved.

The government is not involved in setting prices for computers, and decent cheap computers are available at multiple stores.

What these and numerous other well-served markets have in common, and have in common with health care in France etc. as you describe it, but is DIFFERENT from health care in the US, is that the customer can determine the out-of-pocket cost BEFORE deciding whether or not to buy.
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