Auto Insurance often provides better coverage than a private health insurance. They don’t require pre-authorization. They don’t say this is allowed but this is not. There are different rules and regulations for Auto versus healthcare in each State. So there are going to be different policies in government impacting the insurance.
In some states, Auto Insurance usually allows the providers to treat the patient with their Medical education and clinical skills provided they document the need. Some are reviewed and may be denied when there are lawsuits involved. But for the most part they are much better at actually paying for the care.
Health Insurance corporations are not so. There are HMOs, PPOs etc. I definitely do not want an HMO for my auto insurance. What a nightmare that would be.
Auto Insurance also pays for the damage to the car whereas Health Insurance does not. In addition to the rules and regulations that are different for each type of Insurance and various States, that one company would have to make a profit and survive paying out on claims.
There are actually Insurance companies that will provide you with more than one insurance coverage such as home and auto. I don’t think people should be forced to have one. I prefer to have the freedom to choose. People who want to umbrella coverage under one policy or company can do that if they want. But others should not have to.
Also I prefer the following so we have freedom of choice of where to seek care and also manage our money better.