There are lots of health insurance companies operating in the USA. United Health is the largest but they only have a 15% market share.
All these companies follow suit with the market forces described above. They all want to insure young healthy people and deny old sick people --- simply because they make more money by doing so.
Over time, everyone (including you) will naturally gravitate from young and healthy to old and sick --- aka uninsurable.
Are you content for yourself or your family to be uninsured when they need it most --- after a lifetime of paying premiums? This is what private, for-profit health insurance manifests.
This is not due to "red tape" or lack of competition but is a fundamental and unavoidable characteristic of the "free market" itself.
All these companies follow suit with the market forces described above. They all want to insure young healthy people and deny old sick people --- simply because they make more money by doing so.
Over time, everyone (including you) will naturally gravitate from young and healthy to old and sick --- aka uninsurable.
Are you content for yourself or your family to be uninsured when they need it most --- after a lifetime of paying premiums? This is what private, for-profit health insurance manifests.
This is not due to "red tape" or lack of competition but is a fundamental and unavoidable characteristic of the "free market" itself.