Do you trust a company that is required to provide profit to their shareholders by providing you the least possible amount of healthcare?
Health insurance in the US is very complicated. It’s a feature, not a bug. They don’t want you to use it.
Oh, but government death panels. Have you ever had to get a pre-authorization for care that would save your life? Or had a claim denied because that one person that was in the operating room while you were under anesthesia was out of network? Yeah, it’s actually corporate death panels.