In the US, we just call them "insurance companies".
> And, in Western Europe, you must wait over a month for your non-urgent surgery
Have you ever tried to get non-urgent surgery in the US?
https://www.beckershospitalreview.com/hospital-physician-rel...
> In a survey of 15 large U.S. metropolitan areas conducted by national physician search firm Merritt Hawkins, researchers found the average patient waited approximately 29.3 days to see a family medicine practitioner in 2016, an increase of approximately 50 percent since 2014.
> And guess what, your taxes are 50% higher to pay for all this.
Europeans pay half what the US does for their healthcare, including taxes.
https://en.wikipedia.org/wiki/List_of_countries_by_total_hea...