Lots of people don't go to the doctor when they probably should. Most spending isn't emergency room visits. I imagine prob half is connected to obesity and smoking. Just lose weight and you don't have to go.

The health insurance profit margin is around 3.3%. Maybe they're just bad at extortion

There are certain topics people feel very strongly about with no insight or experience, they say things that are demonstrably false and refuse to look at it objectively. Unfortunately US healthcare is one of those

https://content.naic.org/sites/default/files/inline-files/he...