Ah, yeah, about that... I'm perfectly willing to use a high deductible/HSA type of plan. But, because I was found to have a benign, non-cancerous, non-pre-cancerous polyp on the recommended colonoscopy that I so foolishly had done a decade back:
"Unfortunately, we are unable to offer XXXXXXXXX coverage at this time. XXXXX XXXXXXXX for Individuals and Families is a cost-effective individual health care coverage program. We maintain its cost-effectiveness by only accepting for membership those individuals who successfully pass the medical underwriting screening process. Based on the information provided on the application for membership, we cannot approve enrollment."
Now, I CAN get into the low copay/insanely high premium plan, and once I use up the last of my COBRA, I can get into the 'continuation' plan, which is slightly cheaper.
I find your statement to be curiously misaligned with my experience.