>True. As noted, in our current system, it's just the insurance companies making the call instead of a bureaucrat. And it's usually done at a general level, not

>True. As noted, in our current system, it's just the insurance companies making the call instead of a bureaucrat. And it's usually done at a general level, not individually (except for rare, expensive, edge cases). If a private entity sets their criteria for treatment in a way that people don't like, it's possible to switch to a different insurer. When the government does, people are just stuck.