Because without a car you walk, take the bus, train, bicycle. Without healthcare you get sicker or die.
As someone part of a family that has recently consumed a lot of healthcare (myself included), I am not ignoring them at all, pretending they don’t exist, or arguing that we don’t need significant reform (I think we do). But they currently do exist and they currently are part of the cost and therefore currently dictate the value.
Your beholden to your employment to keep it and if you work for a smaller company they usually have shittier plans leading to worse bargaining power. Also if that company is looking to cut costs they may choose even worse plans which you have ZERO control over.
Just because that's the way it is doesn't mean things couldn't improve.