The point of health insurance is to pay into a risk pool as a collective so that the small percentage of people who end up needing the largest percentage of health care, nobody dies or goes into monumental debt. This can be done via taxes but insurance is a private market solution which should in theory make it more efficient for the sake of maximizing profit.
So then if it's supposedly more efficient, why do I waste multiple hours dealing with insurance bullshit literally every few months?
Start a new job at a startup, need to go to trainings to understand the health care options and choose one, get new cards and website logins, update my info at every provider
New dentist is having difficulty getting my routine care billed to insurance and calls me every week asking for my insurance information again.
Wifes doctor didn't do something correctly when I updated insurance so now I need to call and deal with this big medical bill that I shouldn't have gotten.
Startup got acquired so I get another training for the new insurance options. And get new cards and logins and update with all providers again
Planning to get a surgical operation but nobody can tell me how much it will cost, doctor says "probably whatever your deductible is" except I have a high deductible plan so is it really going to cost me $2500?
Etc cetera. There's no end to the nuisance. If I could choose to just pay more in taxes (hell I'll pay way more than my current premiums) and never deal with insurance again, I would do it in a heartbeat.
So then if it's supposedly more efficient, why do I waste multiple hours dealing with insurance bullshit literally every few months?
Start a new job at a startup, need to go to trainings to understand the health care options and choose one, get new cards and website logins, update my info at every provider
New dentist is having difficulty getting my routine care billed to insurance and calls me every week asking for my insurance information again.
Wifes doctor didn't do something correctly when I updated insurance so now I need to call and deal with this big medical bill that I shouldn't have gotten.
Startup got acquired so I get another training for the new insurance options. And get new cards and logins and update with all providers again
Planning to get a surgical operation but nobody can tell me how much it will cost, doctor says "probably whatever your deductible is" except I have a high deductible plan so is it really going to cost me $2500?
Etc cetera. There's no end to the nuisance. If I could choose to just pay more in taxes (hell I'll pay way more than my current premiums) and never deal with insurance again, I would do it in a heartbeat.