And of course it’s Constitutional and voluntary. Can’t have that.
See #5 above for an example of this.
My guess is that the big problem with it is the government’s cut.
If people send their share of the expense directly to the need, then we can guess an insurance company would have overhead to cover that would have made them charge policy holders enough to pay for the medical care, for their buildings, their agents, their secretaries, their administrators, etc.
Each of those employed people would be paying income tax, and the business itself would be paying taxes.
The way this was done bypassed an awful lot of taxes, and that’s got to have government blokes getting really nervous.