Healthcare in the US used to be a lot simpler and cheaper. But costs continue to rise faster than the rate of inflation for decade after decade and the price started becoming an issue so people had to start complicating and reducing the quality their plans to save money, but those were short term fixes because the costs continue to rise faster than inflation and now we're stuck with plans that are complex and have limited offering and are still unaffordable.

Worse, all of the complexity has its own costs which are now just compounding the problem.

At this point any sane person should be saying that our private market approach to healthcare is an experiment that unfortunately failed, but the gravy train is too big and too fast to stop quickly. Nobody in Washington or even the state legislatures can get traction on a replacement without drawing the ire of extremely well funded political interests.