Bemused,
You have just made the argument for a single payer system that will cover everyone. There really isn’t any justification to have you slightly above a threshold and getting nothing. But since we aren’t willing to have a single payer system, you are stuck.
gavra_at_work,
You are completely misinformed about the Canadian system. Most physicians in Canada are actually self-employed. My wife and I met a Canadian family physician last winter and the picture he painted of the Canadian system was so favorable we investigated emigrating there. Basically, he NEVER has an insurance company deny coverage for something he recommends, he NEVER has to worry about not getting paid, he NEVER has to worry about his patients being able to afford the treatments he recommends, and he doesn’t have to worry about getting sued, either!