My reply is not to advocate for insurance companies. And I am sure your experience was a miserable one.
I have literally wasted years of my life on the phone arguing the medical necessity of a procedure or test for a patient . . . with a bean counter with no medical training on the other end reading from a script. I am no fan of insurance companies, nor the owners of hospital systems. I think the US healthcare system can be FAR better. But I am a HUGE skeptic of putting that kind of power in the government's hands to determine for us (i.e. socialized medicine). Just look how far the current pandemic here has been screwed up by our government (Trump aside, there are multiple layers of screw-ups, from the CDC on down).
I fully expect to get disagreed on this post, but those that have read my posts in the market politics thread know that I am an advocate for removing the small, individual, regional monopolies that plague the US healthcare system. Specifically, stop letting one or a few insurance providers sell in just a single state (i.e. allow anyone in the US to buy any policy, from any company, in any state). Additionally, hospitals, providers, etc. should be FORCED to publish their prices. Right now, there is nearly ZERO price transparency for anything in the healthcare system here. That lack of transparency lets prices run amok and increase with no counterbalance (i.e. competition). If prices were published, and hospitals had to compete for services, not only would prices decrease, but the quality of good would increase.
It's only when companies and systems are allowed to become monopolies that we have serious issues with cost and quality.
My 0.02. Feel free to disagree.