Have you lost a loved one because health insurance refused or delayed payment for treatment? I can't take you seriously when you say the system isn't that broken when I see people sharing their experiences of how people died and suffered unnecessarily because some health insurance company fought them on it. How is that not insanely broken?

Here in Germany, I've never had to worry about whether my healthcare would pay my treatment when I've had to go to the hospital and had to be operated on. The idea that this is possible in other countries is unfathomable to me. I didn't choose to have whatever illness I might have. My doctor decided the best way to treat my illness. Why does some third party get to decide "but nah bro, it can't be that bad, let's just wait and see how the patient does in a week or two". Why can they override what a doctor thinks is best?

And why are there people like you who thinks "it's not that bad/broken".