that makes sense bro, a middleman who gets a part of your money sounds like a bad idea but wait, wouldn't hospitals have to hire people to do the same thing insurances do anyway? wouldn't that also increase the barrier of entry for companies to create hospitals and clinics? and if there are insurances that currently run hospitals and they're not more competitive than other insurances, wouldn't it mean the difference isn't that big? personally what i do is just not pay insurance and pay out of pocket. this gets you earlier appointments, and access to the best doctors who don't take insurance if i need something serious, i'll see if i take a loan (fortunately it's somewhat affordable, bc we have public healthcare, bureaucrats are happy with that, and not really regulating private healthcare) or just wait out the waitlist
Spain