In the USA, most health insurance plans are through private companies that have group plans with employers.
This is a terrible system, because many employers just want to check the box of offering plans, so do not negotiate good plans for their employees (the best / most profitable companies might have good health insurance, but most not so much).
It also very famously ties your health insurance status to your employment status, which gives a whole tone to the American discourse of labor laws. People are desperate to keep their jobs to keep their medical coverage.
The US gov is trying to make it more competitive with healthcare.gov, which really only highlights how bad the situation is (you're hard pressed finding a healthcare marketplace plan for less than 200$/month without income tax credits).
So the average American is stuck with plans they didn't negotiate for, with limited options for choosing better plans, and insurance very often deny coverage / include hidden fees / are generally inept at providing any type of service beyond taking your money.
There's no way to vote with your wallet, when everyone in the business seems to be a crook at worst and an uncaring suit at best.
The problem is often that there is no really good option. And in places like Switzerland, there is often much more regulation to prevent all options from becoming bad. For example, the E.U. has many consumer rights laws that the U.S. does not have.
The problem is unregulated capitalism. At a large scale, over time, people will find ways to take advantage of the system and exploit the people due to their greedy nature. And insurance is an industry that naturally tends to that end without regulation.
In no place does unregulated capitalism give good results at scale.
It sounds very offending to my anarcho capitalistic world view, where poor people should suffer more than I do, but does it actually produce more suffering than US or less?
Neighbouring countries are trying to match )
This is why if you are poor France and can get state help is an excellent choice.
Once you start to pay taxes, or you fit in-between the criterias for eligibility to state help, the costs are much higher than in the neighboring Switzerland for example.
Money is a weapon of vote too, if you don't subscribe to UnitedHealthcare, in the long run the corporate should eventually disappear as a whole no ?
If you dislike Uber, then don't buy Uber.
In Switzerland they have such capitalistic system where you can pick your private insurance provider. So the most expensive / worse ones, gets less revenue.
In France, they have a socialo-communist monopoly, no choice, only one choice, and you have to be happy with it, no matter what.
I guess that's the main promise of capitalism; voting with your money (money that is supposed to come proportional to your efforts, though it is warped by crime, cryptos, inheritance, etc).
For example, if you stop buying meat, and convince others to stop buying meat, then there will less people investing into meat.
EDIT: Users explained (thanks!) that it was not really a free choice.