Frankly, no one wants to talk about chronic ailments. ADHD (the so-called fake disease) for example.
Nevermind that they are a real part of why premiums are likely as high as they are.
Nevermind that it is essentially a life-long tax for the patient.
Nevermind that the law deprives those who suffer from a case for which narcotic therapies work and CBT doesn't into profit slaves to drug manufacturer's and their 'attending' prescription writer.
They have a solution to the problem (that generally works out better for the supply chain than the patient)! How dare you suggest it isn't the best approach! What are you, some communist? /s
But alas, if we don't say it no one will listen.
So...
As the parent said...
"If it worked like normal insurance, people with chronic illnesses would still go bankrupt."