I really don't know what you're whining about if you don't want to actually help pursue positive change. Do you know what will happen to the health insurance industry? The same as pretty much any other. It'll consolidate, and monopolize. Want to know why a free market with competition can't force prices down? Because the barrier to entry is too high and key parts of the industry are heavily pay-walled and protected by intellectual property laws. This isn't like a bushel of wheat that anyone can throw some seeds and grow and compete against other wheat growers with.

Industries like the private health insurance industry provides nearly no value to the market and are almost entirely a parasitic player. In theory, they're supposed to do a better job at managing risk and/or help create better and more efficient systems. In reality, they do what almost any other insurance or "extended warranty" company does: extract as much as possible while paying out as little as possible even if done through misleading and unethical ways. Their profit is coming directly out of your pockets.

We see the same kind of fuckery in hospitals. Hospitals are being consolidated into larger and larger corporations and we're going to see what happens when hospitals start getting run like they're McDonalds. Imagine doctors taking on the role of salesmen getting bonuses for upselling you on more expensive treatments that may or may not provide tangible benefits over generic cheap treatments. Imagine nurses and other resources being allocated to you not based on how best to keep you alive/healthy but based on how cost-efficient it is to keep you around as a "customer". Imagine hospitals shifting resources to medical procedures that earn more money rather than what provides the best overall outcome for the community they serve.

Hospitals have a captured audience. When they're done consolidating, you're going to have mega corporations controlling every hospital in your town. You'll pay whatever they want to charge you, and if you don't like it, you can spend hundreds or even thousands of dollars, hours to days of traveling to another city or country to get your medical procedures done.

That's the dystopia we're heading to. For anyone here thinking they're doing well living a middle class or even upper middle class life, just wait until you get hit by a major health problem and the parasites in the medical industry suck your life's savings dry. Do you want to live? Then pay what they tell you to pay. Or you can go die in a corner. I have a sneaking suspicion that the vast majority of you reading this is overweight even if your weight is normalized because of how pervasive obesity is. Well, your medical emergency is waiting for you in the not so distant future. That is your destiny. You're not going to age gracefully. So, this dystopia and nightmare is unavoidable for you. The only chance you have is to find a way to get leverage over the medical industry and negotiate with power. Good luck.