My point, more specifically, is that the US healthcare system is in a state of regulatory capture due to various market failures in our implementation of employ

My point, more specifically, is that the US healthcare system is in a state of regulatory capture due to various market failures in our implementation of employer-based health insurance. I would go further and say that employer-based health insurance is intrinsically unsound, and the only thing propping up our failed system is massive government subsidy. This is literally our system: When you're healthy, you get for-profit health care through your job. If you become infirm and cannot work, usually through age, but for whatever reason, you get expensive health care through the state after you have bankrupted yourself. The entire premise of health insurance is having healthy people pay for the sick people to spread out the risk. But our system is "private insurance takes all the profits and the government takes all the costs". And people wonder why things aren't working out.