Because you don't buy insurance, you're essentially assigned it. There is no insurance marketplace. And no, healthcare.gov does not count. These companies act

Because you don't buy insurance, you're essentially assigned it. There is no insurance marketplace. And no, healthcare.gov does not count. These companies act in lockstep and the service is socialized - you pay for everyone else. Its the most shitty approach imaginable to healthcare. You get all the greed and ass fucking of private healthcare, with all the choice (or lack thereof) of huge socialized medicine. And, cherry on top, the private sector has WAY less rules than the public sector.