It’s very late to reply, but I think a bunch of these claims are not entirely true, or at least not true universally across the US. Medicaid has legal acceptan

It’s very late to reply, but I think a bunch of these claims are not entirely true, or at least not true universally across the US. Medicaid has legal acceptance requirements that other insurance does not. I believe large hospitals in particular have to accept Medicaid because they lose other government subsidies if they don’t. In many ways Medicaid is the “best insurance that money can’t buy”. Also, even small business employees can pay for health insurance with pre-tax dollars, although it may need to be claimed on a tax return. Lastly, if a medical treatment is FDA approved and medically necessary typically a plan must cover it, or propose an equivalent treatment (i.e. generics) The plan cannot prescribe a specific treatment regimen, although they can make reimbursement of one treatment contingent on trying something else (usually much cheaper option) first, as long as there isn’t a medical reason not to do so.