Yeah, if you have a rare disease, which 7-8% of the general population collectively has (there are about 8,000 or so rare diseases), for example, then you are t

Yeah, if you have a rare disease, which 7-8% of the general population collectively has (there are about 8,000 or so rare diseases), for example, then you are totally screwed if you have an HMO. Rare diseases are difficult to treat, frequently involve multiple systems of the body, often require many off-label non-FDA approved treatments, and require specialists that are often in niche fields of medicine.