Yes, I do, at least for the very large majority of Americans who get their health insurance through their employer. As problematic as that relationship may be, it does set up a wall such that (a) the cost to me, personally, is completely standardized; and (b) there's a large gap between my individual online identity and my identity as an employee within my organization.

Further, health insurance is just about the most heavily-regulated industry in the universe. Aside from the trivial assertion that it's absurd to refer to this industry as "capitalism" because it's so far from a free market, the fact is that the insurance companies are watched very closely, and I think it's improbable that they could have a setup like this without anyone having learned about it.

Finally, again for the majority who are covered through their employer, most of these policies are self-insured. That is, it's the employer themselves who pays the charges, and they're also paying the insurance company to administer the program, but not to shoulder any risks. The more the insurance company has to spend on that administration, the less likely they're going to be hired. To make such a trade-off there would need to be a pretty clear demonstration to the employer that more money is being saved in medical payments than is being spent on that additional administration - and again, that's consistent with my argument in the prior paragraph.