The space is clearly ripe for disruption, but unfortunately it'll never happen. Problem 1 is that most of the electorate are healthy, and sickness is transitor

The space is clearly ripe for disruption, but unfortunately it'll never happen. Problem 1 is that most of the electorate are healthy, and sickness is transitory, so it's not a "single issue" topic like say guns or abortion. Problem 2 is that elections cost money. Lots of which is provided by industry, in this case the health care industry. Problem 3 is that the political climate is such that partly politics requires disagreement. If Democrats are pro universal Healthcare then Republicans have to be against it. Even if the public are very much in favor of something, it's preferable to not do it, but rather just fight about it. In short the system is clearly bonkers, but there's no political will in the electorate, and certainly not in politicians to change it. Of course, capitalism doesn't see this as broken at all. The system, both democracy, and the "free market" are working perfectly. Only the customers are suffering and they are not enough to overcome the entrenchment.