Jessica, Jessica,
It takes a lot of reading to write competently about health care. You did not do it.
But you have the nerve to say: “Now you get it.” To your defense, you match the arrogance with which political writers in the mainstream manifest their ignorance. It is worth noting as well that the Medium editors recommend to me your chaotic writing, but they do not recommend to anyone my writing on this issue, despite that I am an expert.
This column explains in brief why you are off the chart:
https://medium.datadriveninvestor.com/the-only-preexisting-condition-that-matters-fb1671be49bd
Following the links can get you deeper into understanding the problems we face. Good luck.