[anothercomment]

But why can't they be disrupted? For example some people could be pissed off that they don't get information, and companies providing information could win them over as customers.

Obviously, things are not working out in the US. I am just not yet convinced that the market/capitalism is to blame, or if it is essentially corruption (including lobbyists bribing politicians to set up a system that allows the bad insurers to stay in operation).

[aianus]

Consumers don't choose their health insurance companies in the US. Their employers choose them. And when the user != the purchaser, you don't get a good user experience, you get corruption and a race to the bottom.

[anothercomment]

OK, but people choose their employers, to some extent. Would more transparency help them to demand the right health insurance from their employers?

[aianus]

I think in the industries and positions where employees have bargaining power you do tend to see excellent healthcare plans. But that's a minority of the workforce.

[youdontknowtho]

The corruption that you're talking about is just some parties reinvesting their gains in protection of future gains. I'm not anti-capitalism but I think that we need some way to talk about the failures of markets where power keeps being accumulated by parties like these.