Quebec did face whether they should have a completely public plan or a public-private plan. It opted for the latter because of, obviously, a private insurance company lobby. That's one issue.
I think where they went wrong in Quebec—because I think their intent was absolutely fabulous, which is providing universal pharmacare—was that they took all the sick people, and everybody who wasn't sick got to go to the private insurance company. Then the private insurance companies got essentially everybody who was well and wasn't going to be using drugs to pay the premium. If private insurance had been regulated to take the mix and not just the well and active, thank you very much, but had the same mix as the public insurer, I think it would have been better.
The second is that Quebec does provide a very rich formulary. I'm not sure that they refuse very much, and then they put a copay on everything from insulin to your leisure drug of choice.