Thus lies the flaw in your reasoning. You are assuming that there will be actual money available for people to private pay. More people will be unable to afford the private system as either they lose their jobs, or their employers find it's easier to just abandon paying benefits to their employees. It's that simple. The have-nots will soon outnumber the haves.
Quality of care will matter little to the fellow that doesn't have much money to spend, he will flow to the lower cost provider. I hope that you enjoy the race to the bottom. I see more call for free clinics and holistic medical care than the specialists currently pillaging our medical system.
Years ago, doctors took chickens [[among other barter) for payment for medical treatment. I hope that you and your group like chickens.
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