There is no proposal for a total government plan (which is what "single-payer plan" means). There are 1300 for-profit insurance companies in the U.S., according to news reports, Dick Armey (FreedomWorks), and C-SPAN discussions. Does anyone honestly believe that these billionaire greed-driven, ruthless "pitbull" companies are going to be put out of business by a small "chihuahua pup"-sized government/public option designed to help the poorest Americans (people the insurance companies reject anyway)?? The proposed public option is supposed to be one of many options available with competitive pricing, the same system currently available at taxpayer expense for our elected representatives---a pool of resources (insurers) available to lower-income people and their families to cover medical expenses. You want everyone to be required to have coverage, and this is also what President Obama has requested. No one but your doctor is going to make life and death decisions under any of the four bills currently in existence (3 still in Committee in the Senate). Insurance companies that are profit driven would be against having expensive prolonged care for injured/ill patients or costly measures used to prolong life; however, a non-profit (public) plan would have no reason to butt in unless the hospital or doctor is discovered to be double-billing or overbilling (like $40 for an aspirin tablet or $50 for a box of tissue, as is currently being done). The insurance industry has a vested interest in NOT paying for procedures in order to have a greater profit margin, and remember, the insurance industry spends on average between $20 billion and $60 billion EACH YEAR to come up with ways to deny claims, but a public plan does not do any of this because it is not profit-driven.
Small business owners are currently at a disadvantage because individually they lack bargaining power; however, under the Obama proposal, these business owners would be able to pool with other small business owners who have twenty-five workers or less (similar to a union or cooperative) in order to have more clout when negotiating rates. If the rates are still too high based on the volume of business, then the public option would be available for, say, $750 per year per employee for total coverage and they would get a tax credit for insuring their workers. There are also cost-controls being proposed for the pharmaceutical industry (allowed to run out of control under the Bush/Cheney regime---perhaps because the Bush family has large investments in Pfiser and Eli Lilly) which should reduce consumer costs. You ought to express your concerns on whitehouse.gov website...they do respond.