Because with the current medical cost, it would be absolutely ruinous. The root problem is American health care is far too expensive. The entire system is massively wasteful and complex.
What’s funny is I’m probably one of the people whose paycheck is dependent on me not understanding that to paraphrase Upton Sinclair. When I started at my current employer, one of the devs straight up said the government should be doing what we do and we shouldn’t have a business.