You miss the point entirely.
this absurd situation of giant, corporate, private insurance granting bureaucratic access, or not - exists BECAUSE of 60 years of progressive rule-and-regulation writing, topped off by the worst of all, Obamacare.
UNH in its present form exists SOLELY because of Obamacare and the hairball of government incentives and disincentives to game the payments system
Please explain: are you saying that progressive regulation has prevented private insurance from paying claims?