Sure, but that requires a level of investment and effort that a lot of people simply don't have. The last thing I personally want to do is have to argue with i

Sure, but that requires a level of investment and effort that a lot of people simply don't have. The last thing I personally want to do is have to argue with insurance companies and negotiate prices down through the labyrinthine healthcare system after dealing with enough nonsense at work. Even worse if I have to do said negotiation from a hospital bed due to an unforeseen problem, as most health issues tend to be.