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Some insurance claims get denied, but plenty of them are approved. It might surprise you to learn that most Americans are satisfied with their health insurance:

• antisthenes 2y ago
  > If health insurance is as bad as you say, why aren't people just cancelling their plans and paying for everything out of pocket? Because it makes no sense to cancel a subsidized (by your employer) plan. So for the same reason people don't come to their employer and request to cut their own benefits. > It might surprise you to learn that most Americans are satisfied with their health insurance: Ah yes, the "fuck you got mine" status quo approach. No wonder people are upset about it.
  • Manuel_D 2y ago
    > Ah yes, the "fuck you got mine" status quo approach. No wonder people are upset about it. Again, most people aren't upset with their healthcare, as per the linked research. Your perception that Americans are largely disappointed with their health insurance is not true.