Yes, the system is that bad. Even experts in health insurance and health economics screw up their open enrollment choices:

“You should never have an HMO,” the neurosurgeon’s secretary told me on the phone, her voice filled with scorn. “You don’t have any out-of-network benefits. Dr. Bruce participates with no insurance plans. Only out-of-network benefits . . . → Read More: How Can Even a Harvard-Educated Health Economist Can Screw Up Open Enrollment?