Health insurance at its core is very simple. You put money in, you go to doctor, insurance pay doctor. But in the USA, the insurance denies everything they possibly can. Money put in doesn’t ever see a doctor or your health costs, it goes right to the stockholders…
So why doesn’t someone just make a non-profit health insurance company where there’s no stock, no executives, just public servants and aggressive price negotiation where your medical bills are actually paid with the money put in?
Healthcare co-ops exist. But a good number of people get health insurance through their jobs, and those jobs usually contract with one of the big corporations.
According to this, there are only three co-ops left —down from 23 when the ACA became law.
https://www.healthinsurance.org/obamacare/co-op-health-plans-put-patients-interests-first/
Blue Shield of California is a “big corporation” that employers here often contract with for health insurance, and it is a non-profit. Somehow this doesn’t really result in a dramatically different experience.