Retarded? You obviously don’t understand that it is working perfectly and exactly as intended. Only, it is not a system to maintain the health of the average citizen, it is instead a system to siphon as much wealth from the regular people as possible towards the few corporate entities who managed to buy themselves the monopoly to exploit the poorer castes and drain any poor fuck who needs medical assistance dry for all they’re worth.
The average American is prey, but there are enough reserves of these human resources to simply not care that it’s either bankruptcy or death in the average case of a medical emergency.