I have to jump thru hoops, wait, and pay a significantly higher out of pocket for any imaging outside of X-rays. Due to my employer, I am locked into a single provider. Sure, I can (and do) have supplementary insurance, but FFS why is that even necessary?
The answer to all of the above, IMO?
Corporate greed, enabled by government intervention.
The Affordable Care Act isn’t our real problem, we can lay that at the feet of Richard Nixon .