Why is it not evidence?

What is evidence then? Something of choosing that is impossible or just impractical to meet, or who's goalposts can keep changing indefinitely?

On the contrary, the condition experienced by the author's spouse is direct evidence of a problem with the author's insurance provider, which in kind happens to be a widespread practice in the industry. US health insurance providers have pivoted from denying claims based on pre-existing conditions to denying claims based on lack of history of pre-existing conditions.

Your links do not support the point you are trying to make, as those affected by NHS wait times are, in fact, not affected by insurance denials but rather the immense and unmet demand for medical personnel.