The whole health insurance mess in the US has been frustrating for me too. My premiums and deductibles have gone up every year, and when I tried to shop around, all the plans felt expensive and confusing, especially since I’m not getting any more actual care for my money. I remember being hopeful things would smooth out, but it’s just become more stressful to figure out if what I’m paying for is even worth it. When I was looking into alternatives, I read a bit about how different it is in the UK with private health coverage as an option for those who want to avoid NHS wait times. I found this detailed Bupa health insurance review
https://premierpmi.co.uk/bupa-health-insurance-review/, and honestly, it opened my eyes to how plans and benefits are set up differently over there. Kind of wish we had more clarity and choice like that here.