I have private insurance with a Fortune 500 company and I am still not happy with my insurance. I still have no clue what my bill will be after each visit.

Doctor's office bills for X and Y, but insurance will only pay for X and half of Y. Then I have to fight the insurance company to pay for Y.

This back and forth between the doctor, patient, and insurance company is highly unnecessary and the only benefactor is the insurance company. One could argue that the private health insurance industry is actually causing costs to go up because doctors, hospitals, and clinics have to submit detailed medical billing codes to get properly paid for their services.