and now a more technical answer (not related to insurance). Our "modern medicine" is so outdated, that most of it should be only on display in museums.
You mean ripping off organs from dead people (or from kidnapped kids on the black market) and putting them using butchery methods into those still alive? And since they are DNA incompatible, they have to take immune suppressors till the end of their lives, which basically means they live without immunity. So they die quickly.
You mean outdated technology which puts bits of ceramic in my mouth, with metal screws? Instead of in-vitro grown real teeth or laser-induced regenerative methods (which is now like 45 years old technology).
But even the previously mentioned ceramic fillings aren't free. Nope. The basic insurance (if you have it) only covers the poisonous mercury fillings. Yes, those that should have been banned 30 years ago. But are still legal here, and all over the world.
Yes, our modern medicine sucks. It's better than medieval medicine, but is that something to be proud of? We have abnormally advanced technology that is kept away from normal patients. And this outdated tech that is available to us, medicine charges us like it's made of gold. This a crime against humanity. One day pupils in elementary school will know this as the dark age of medicine.