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How in the hell are people so blind? Practically everyone I know hates their insurance company, if they even have insurance.
I wasn't able to afford health insurance until my early 30s. And really I couldn't afford it then but since I had malignant melanoma it was the least worst option for me financially. Nearly metastisized because I had to save up and wait for enrollment period. They told me it was 2mm from my bloodstream. About two inches across by the time I was able to afford having it removed.
My friend offered to have me drink a bottle of liquor and he'd cut it out of my back and I seriously considered it.
And my credit score got killed for seven years because they wanted $250 per month from me on the after insurance bill. I tried to negotiate, but this was the lowest they would go. My wife and I would have literally starved if we had to pay that.
I never paid them a cent.
I think it tracks. Most people that have a decent plan are also rather healthy. They might use the plan a few times a year for meds and a family doctor visit. Which the insurance is not going to fight you to hard on, so you might perceive the system to be working well. If you are unhealthy then you are about to find out a lot of what the market values.