The middleman role of insurance companies in American healthcare seems completely useless. They're not serving patients, doctors nor the national economy by siphoning off enormous profits from the 17% of GDP that gets spent on healthcare.
Getting rid of them would be extremely hard, of course, given how well entrenched they are thanks to lobbying and regulatory capture.
Insurance companies are a massive-scale version of the car dealerships that have managed to keep Tesla out of many US states by taking advantage of local legislation -- nobody would want to deal with a car salesman or an insurance company given the choice.
Getting rid of them would be extremely hard, of course, given how well entrenched they are thanks to lobbying and regulatory capture.
Insurance companies are a massive-scale version of the car dealerships that have managed to keep Tesla out of many US states by taking advantage of local legislation -- nobody would want to deal with a car salesman or an insurance company given the choice.