Even the worst HMO has to compete with others. Eliminate the others and you eliminate the market incentive to provide services, and to tailor services to individuals. Some people value low price and minimal coverage over platinum plans. Some people are more concerned with large family plans, and some individuals are willing to forego coverage in lieu of having the income to invest in their businesses (an assumption of personal risk, but with potentially large payoffs). A single payer plan will, like all government plans, be a single solution for myriad problems, and satisfy none of them. It will not respond to market signals, such as shortages or oversupplies, with price changes, because the bureaucracy cannot determine what the price ought to be. Only the person paying it can determine what he is willing to pay. The only tools available to bureaucrats are rationing and price controls, because the political pressure will be to keep the costs low. Eventually, you'll end up with a two-tiered system in which politically connected patients get full service, while everyone else gets the absolute worst (see Cuba), with the eventual erosion of services that will result in even the elites having to shop around outside of the system (all of those leaders from Canada, for example, who fly to the US for major surgeries). You end up with Soviet medicine. No thanks.
If it's a big enough college, there is probably a nearby Planned Parenthood clinic in which students could get their birth control pills fairly cheaply.
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