How do you define failure? When did "again and again" occur? I don't see that you have any valid argument or any supporting data whatsoever. Private health insurance exists and works.
Insurance doesn't have to cover everything: any aspect of coverage is debatable since it is a contract between buyer and seller with the courts as the deciding powers when either buyer or seller believes the contract has been violated.
Insurance doesn't have to cover everything: any aspect of coverage is debatable since it is a contract between buyer and seller with the courts as the deciding powers when either buyer or seller believes the contract has been violated.