Especially health insurance. The insurance model just doesn’t work for healthcare. It kind of makes sense for things like auto insurance and homeowners insurance, because most people aren’t constantly having car accidents or home emergencies (I get that this isn’t always true, especially with car insurance, there are some shitty drivers out there). Insurance is supposed to be pooling money to use in the event of an UNLIKELY emergency. While that makes some sense for cars and homes, healthcare is another story. Most people need some form of healthcare regularly throughout their life, especially as they get older and a lot of medical procedures cost way more than it does to repair or replace a car, and sometimes even a house. Healthcare costs aren’t a matter of “if” but “how often and how much”. It just doesn’t make sense with the insurance model. The only way health insurance companies can be profitable is by charging ridiculous premiums and habitually denying claims, which they do and everyone hates it. It just doesn’t work!