What is the fundamental problem with America's healthcare system according to healthcare insiders?

According to the discussion, America's healthcare system isn't broken by accident—it's deliberately rigged to benefit insurance companies at patients' expense. The system is designed with built-in mechanisms that allow insurers to manipulate costs, deny coverage, and prioritize profits over patient care, resulting in widespread medical bankruptcy and public frustration. This rigged structure contributes to systemic issues like the chronic disease crisis and opioid epidemic, while preventing the shift toward proactive and preventative care that could actually improve health outcomes and reduce costs.