yes, people should be vigilant
On this we agree, people should take care when making major decisions. As they should for any health insurance company they might use, and possibly a little extra. When a semi major Texas HMO went bankrupt (from memory) about 20? years ago, we had nothing but trouble from bill collectors, etc. trying to get us to pay what they did not and were obligated to pay. Your other words are not accurate, I never employed the term fake news. Biased news perhaps or maybe misleading headline news, or maybe cherry picked news, or maybe even accurate news for a specific outlier where someone messed up, fake, certainly not! I seriously doubt any specific example was made up. But I will not start posting pro articles, they are simple to find from a wide variety of publications from all persuasions. I find such discussions useless, they have infected social media for years now.
Your logic is to gloss over anything that anyone says like they paid my bill, etc. I presume that means you agree and are not disputing that. I seriously doubt you would say my friend who paid around 30 times my out of pocket for the same surgery from the same doctor at the same hospital and at the same PT office mind you, made the better choice? I assume you agree that they do help some people (at a minimum me, perhaps I am special somehow). I presume you would agree that having no insurance is likely a bad choice for the most part. I assume you would agree people with ACA insurance or pre ACA insurance have had claims denied, and articles written about it. And I assume you agree with every other point I have made that you have not explicitly countered.
I of course would agree there are bad examples as well. I will just continue to point out, you have zero experience in this area, an outsider. But, this means you are reflective of a view some or many hold. I do appreciate you are at least pointing out nothing in healthcare is simple, and when making a major change, definitely talk to people, etc.
I almost get the impression you might think I work for one of those companies, or sell, or whatever lol. Several here on TUG have met me in person, including 2 on my last trip. I think you will find I am just a person who admittedly is passionate about saving money, who actually really does do well with a health sharing company. But at a minimum, please note I have repeatedly agreed it's not for everyone.