[mindslight]

It's not either/or - the legal/legislative system is jointly at fault, for letting corporations run amok with generating endless complexity in the form of "terms" that nobody reads, understands, or actually agrees to. The big print of "health insurance" is that it covers medical expenses. From a basic legal perspective it should be impossible for any fine print to walk that back. From a consumer protection perspective, insurances sold to consumers should have to cover complete scopes that fulfill public policy goals.