That's both true and irrelevant. Young healthy males have no trouble getting either high-deductable coverage or conventional HMO/PPO coverage. Everybody else is playing roulette in the individual insurance market no matter what product they're trying to buy. When we started our company, we tried to get individual high-deductable coverage. None of us have any "interesting" medical histories. Denied.

The US health system is broken in ways I don't think you fully comprehend.