1. A better insurance process is clearly out of the scope of a hn comment, and I have trouble believing you don’t know that too.

2. I’m almost certainly talking about health insurance, made obvious by you even mentioning that. There’s a HN guideline about discussing in good faith.

3. I find it humorous you hand-wave away our inhuman healthcare system as “for a variety of reasons”.

4. I see your career is in hedge funds, defense, and big tech. Best of luck ;)

I don't think it's obvious that you were talking about health insurance, which I consider fairly distinct from property, casualty, liability, and life insurance, which are all quite large markets in themselves. The reason I made a distinction is because health insurance is quite different from other lines of insurance because healthcare is federally regulated while other insurance is regulated at the state level.

As mentioned the problems with the US healthcare system are numerous, complex, and interrelated. I don't think they have a simple solution, nor do I think they are insurance problems at their core. For example the cost of drugs in the US vs the rest of the world has very little to do with insurance.