They've deliberately made it expensive. And complicated. How do you know you're getting your dollar's worth when there's no way...... or time...... to compare procedures, hospitals or doctor's.
And insurance companies? They are a parasitical leech on the entire healthcare field........ Only interested in maintaining their chokehold on our collective wallets.
Employers themselves set this system up. After WWII there was such a dearth of able-bodied workers that employers started to offer healthcare as a benefit. They didn't do that in Canada, Britain, Europe, or Australia....... Or, later on, in Germany, Japan and Italy.
So,..... Yes,...... Employers love the control over the Labor pool,...... They set it up this way,...... so let them take complete responsibility for workers AND retirees healthcare. They created this burdensome, insurance-driven Rube Goldberg system of "healthcare"....... and now they are trying to foist the cost off on us.