Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it’s time to collect payment, it’s a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:
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Can only shop during a specific enrollment period
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Policies are so complex, the vast majority of the population can’t understand them
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It’s commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
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Insurance companies are notorious for denying payments
By tying insurance to employment (side effect of some economic policy) the option to shop around was removed. When people are already forced to use the insurance provided by employment so that they can afford it, there is no way for some other insurance agency to be competitive. Then it just got worse over the years.
The ACA attempting to make a competitive market was a half assed substitute for just going all in on single payer, but at least people with the jobs that don’t provide insurance have the possibility of affording it now so it is better. Just getting stabbed instead of being shot better.