I remember a lot of employers started shilling FSA and HSA accounts after the ACA. They tried marketing this as some free market victory: "You, the consooomer, are empowered to shop around for the best price!"
First off, most people pay for "traditional" insursance to not have to deal with that shit. That's the whole point of shopping "in network".
Second, regarding the price shopping selling point... It's not like shopping for a refridgerator. You don't know what the final price will be, and providers are (((contractually obligated))) to not reveal the real price of services rendered. The reasoning is "If the service is medically necessary, the price shouldn't matter!" Basically, treating healthcare like a hypothetical 100% inelastic market like Economics 101, when in reality healthcare is elastic--people go without life saving medicine because of price every day!
Compounding on the intentionally opaque pricing structure, the healthcare industry is the only one that I know of that can change their mind weeks/months after a service has been rendered and retroactively bill you for the difference.
The Jewishness only deepens with the structure of the plans themselves. "Classic" insurance rejects half of your claims, and somehow none of your copays seem to count towards your deductable. People who say "fuck this shit" and opt for an FSA get fucked by the fact the FSAs have a low contribution limit (something like $7k in CY2025, basically one ER visit) and don't roll over between years--thanks for the donation, goy! HSAs do roll over but also have laughably small contribution limits, and you still have to approach your doctor like you're uninsured or they'll charge your account inflated (((insurance rates))) that'll wipe away a year's worth of contributions for an aspirin and a firm handshake.
You think you hate healthcare enough but you really don't. That includes the insurance kikes and the over-educated blowhards that provide the services.