Why not universal healthcare?

I ended up in a debate on universal healthcare with a coworker at work yesterday. I don't know how I keep getting myself involved in these things at work; I guess it's just hard for me to keep my mouth shut when topics like this come up. But I came across the dumbest philosophy ever related to universal healthcare. I'm not talking about half-educated claims of how horrible Canada and the U.K.'s systems supposedly are, or even that it would socialize the entire medical industry and lead us to communism. No, it's an even more dangerous philosophy: why should my taxes pay for those who use the service more than me? What. The. Fuck. That is wrong is so many ways, so let me count the ways in which it is.

One, with any form of insurance today, be it house, car, or medical, the safe people who pay in and don't withdraw pay for the people who use the services more than they do. Except the insurance companies cut a profit off of your medical coverage, and to further their profit margin, they're always looking for ways to not pay, or not pay full price, thus causing you to have to pocket even more expenses than the insurance costs you already pay. Also, there's a backdoor tax we already pay for the uninsured when they receive E.R. treatment and are unable to pay for it. Furthermore, we already pay for Medicare, Medicaid, and CHIP programs out of our tax dollars, and most of us taxpayers don't actually benefit directly from such programs, but we know plenty of people who do. Why can't we extend those benefits to everyone, and be able to use the services we pay for?

Two, we pay for plenty of services that we don't directly use, or use much less often, than other segments of the population. My house hasn't burnt down, why should I pay taxes for fire services? Some rich guy has a private security force, why should he pay taxes for police? Some 26-year-old BK employee doesn't read, why should his taxes fund libraries? Some 50-year-old man has no children and isn't in school, why should his taxes fund education? I'll tell you why: for the public good. The little bit in overall taxes it would cost to have universal healthcare would be offset by all of the money freed up so that individuals could go out and stimulate the economy. A healthier society would also benefit everyone, as we would be more productive (fewer sick days, healthier, happier).

Three, sure, you may not be using the doctor much now, what happens when you get cancer? Suddenly you become the guy you blasted earlier, so are you going to suck it up and not take treatment because there's someone else out there that feels as you did? Fuck no, you're going to go get your treatment and get better. As you should, because you would be paying for a service that would provide you with all essential medical services, with no potential to be dropped or rejected for pre-existing issues. You would have access to the best in modern medical technology: you know, the equipment that right now only the very rich can even afford to go near. No longer would we have a stratified healhcare system: the very best for the very rich, moderate for the middle class, and third world care for the poor. That alone makes it worth it to me.

I can see the reasons why some people might not want such a system, but I don't think many of them are valid, this one especially. Some may not want universal healthcare, but I don't want private healthcare. We tried their way, now lets try our way.