Insurers in the US actually are retailing you medical services. All the large insurers own huge (and growing) numbers of medical providers and they use their insurance plans to abuse non-owned medical providers into selling out to the insurer.
You're saying that insurers aren't retailing you healthcare services despite the fact they are actually retailing you healthcare services, but in some cases you can choose to not use your insurance and buy healthcare from someone else?
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Insurers in the US actually are retailing you medical services. All the large insurers own huge (and growing) numbers of medical providers and they use their insurance plans to abuse non-owned medical providers into selling out to the insurer.
Separate issue yes I realize that you can always go out of network
...what?
You're saying that insurers aren't retailing you healthcare services despite the fact they are actually retailing you healthcare services, but in some cases you can choose to not use your insurance and buy healthcare from someone else?