Please explain: are you saying that progressive regulation has prevented private insurance from paying claims?
Yes. 100%. They game the complex rules to maximize their profits.
They serve the giant spigot of government money, its regulations, bureaucracy and countless laws on health care. They do NOT serve you and me. You are not the customer, you are the collateral.
We have such complex health-care, cost-shifting system, I am surprised no one sees this. I've lived in Communist countries, so I see what people do to game bloated bureaucratic systems. Ask your health-care provider in detail how their medical billing and coding system operates. It will give you a brief glimpse of how the sausage is made
The Democrats and socialists created this system, but they smartly put all the focus and ire on their paid political intermediaries, like UNH, who take the public heat. It works on you too.