Voting with your money works in a fair market for competitive goods and services, but health insurance is neither competitive nor a direct service, and it's als

Voting with your money works in a fair market for competitive goods and services, but health insurance is neither competitive nor a direct service, and it's also not a fair market (in the USA at least). In the USA, most health insurance plans are through private companies that have group plans with employers. This is a terrible system, because many employers just want to check the box of offering plans, so do not negotiate good plans for their employees (the best / most profitable companies might have good health insurance, but most not so much). It also very famously ties your health insurance status to your employment status, which gives a whole tone to the American discourse of labor laws. People are desperate to keep their jobs to keep their medical coverage. The US gov is trying to make it more competitive with healthcare.gov, which really only highlights how bad the situation is (you're hard pressed finding a healthcare marketplace plan for less than 200$/month without income tax credits). So the average American is stuck with plans they didn't negotiate for, with limited options for choosing better plans, and insurance very often deny coverage / include hidden fees / are generally inept at providing any type of service beyond taking your money. There's no way to vote with your wallet, when everyone in the business seems to be a crook at worst and an uncaring suit at best.