I have what I believe is "decent" employer-sponsored health insurance, but using the healthcare system is still an enormous pain in the ass, as is getting insurance to pay for the things that they are supposed to. I'm pretty healthy and young. I keep wondering "are there really that many people whose experience getting healthcare system doesn't suck ass and feel like getting robbed"? My partner insists that our health insurance must actually not be that good, I believe that our health insurance is above average and Americans have been conned into ignoring their own direct experience, but neither of us have much of a reference.