It's pointless trying to discuss Insurance with a non-professional.
I recall, back in 2012, I had a 6 page, running conversation with a poster in here that claimed his 'wife' (whatever that might have been) died because of the lack of insurance.
Turns out, he/it was complaining because the Insurance Company wouldn't pay for procedures that had yet to be approved by the FDA and the AMA. Which, I admit is frustrating because the FDA takes its sweet-ass time approving -- Anything.
Then he/it starts complaining about how the Insurance Company had spent over 2 MILLION dollars on 'her' treatment and wouldn't spend any more. When you consider that, even today, Insurance is capped, often at 1 million.
And this happened before we talked, back in 2005. When Medical costs were one-third what they are now.
His/its complaint was that the Insurance company was a bunch of cheap bastiches because they gave up after today's equivalent of about 5 million dollars and the Insurance Company was wrong for not paying for unapproved procedures and medicines.
Insurance is a difficult topic. Very difficult. People just don't/can't understand it.