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Even if you're insured it sucks.

The American healthcare system creates an immense amount of waste and is a parasite on society.

You go to the doctor and then the provider comes up with some reason why the service isn't covered by insurance. Then your insurance comes up with some reason why they don't need to cover you. Sometimes you contest it and the bill is removed or lowered.

But regardless, at every step in American healthcare, people are being paid full time salaries to overbill or missbill you for services, to invent arbitrary reasons to deny coverage, and to do everything possible so that people who pay thousands a year for a healthcare plan get as little out of it as possible.

The only silver lining is that medical debt is legally hard to collect, so non-payment is a real option for those who don't mind trashing their credit.

It's awful and the only hope for change is either a left-wing populist who guts the whole system, collective action where people withhold paymet, or an increased rate of Luigi-esque incidents that motivate the industry to self-reform. But these all seem unrealistic and liable to worsen the situation.





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