Health ‘insurance’ is the problem.
The insurance companies add nothing besides overhead and delay.
Health “insurance” may be part of problem; however, I believe the financial incentives hospitals received from COVID were a driving factor.
Different figures were reported, but clearly it was extremely profitable to diagnose with COVID and put people on Vent and Remdesivir.
There were news accounts of several patients being held hostage in a COVID ward being rescued by their loved ones.