The health insurance industry, for the most part, is the Mob painted over with a veneer of legitimacy. They're a protection racket. The Mob got people to pay by offering "protection" for your restaurant or store, and would burn it down if you didn't pay up. With the insurance industry, your body is the store, and as all flesh is inevitably weak, your store will eventually burn down, taking your financial stability with it unless you pay the insurance middleman in full. Nice health you got there, be a shame if something happened to it. That's only if they don't turn down your claim because of a typo on your claim form, which is hardly rare. I had ICU nurses telling me insurance horror stories that made one wistful for the ringing sound of guillotines in the town square.
You can read the rest @
By the way, under the current system you cannot afford "healthcare" working 4 hours per day, four days per week. That's not even enough to pay for our groceries, Mr. Ma.