Insurance is worse than communism in this case.

Tax paid universal healthcare and healthcare insurance both work on the idea of socializing the cost.

The difference is that insurance companies also need to make a profit too feed the owners. Since they don't actually produce anything that can make a profit, the only place they can grab the "profit" is by denying cover.

American healthcare insurance is exactly the same picture that is shown when people try to explain why communism doesn't work.