Many people don’t get it, it’s really expensive, even in countries with non broken healthcare systems (not the us) costs increase rapidly and no one is sure how the systems will remain solvent with the same level of care given today. The way things are currently done are entrenched but not sustainable, that’s when disruptions are apt to appear.

It's inefficient and not living to its potential

Because insurance companies incentivize upward price momentum. The ones who innovate and bring the prices down are not rewarded for their efforts. Health inflation is higher than headline inflation because of this absence of price pressure

because in america at least, the supply of doctors is kept artificially low. that combined with exploding administrative headcount, means patients are getting pretty terrible, expensive service.

Seriously? Spending a night in a hospital results in a $10,000 bill (though the real out of pocket is significantly cheaper. God help you if you have no insurance though). Healthcare in the US is the thing that needs the biggest disruption.

The part that needs disrupting is the billionaires who own insurance companies and demand profit from people's health .