Wal-Mart's logic on healthcare

Kevin Drumm gets this just about right: Wall-Mart and Healthcare:

In any system that doesn't cover the entire population of a country, each individual insurer has an incentive to cherry pick only the healthiest workers and leave the sick ones to someone else. This problem is rarely stated as baldly as it is in the Wal-Mart memo, but it's always there. Our entire system is built around an incentive to make sure that it's always someone else who's responsible when someone gets sick.

SFUSD is faced with the threat of a strike that is laregely about healthcare costs. It just drives the truth of this home to me. We so need universal health insurance. How long 'til the entrenched health care status quo can be routed and real reform happens?