I live in the us, so been denied coverage for all kinds of things.
Waited months for permission to get a new medication after going through 5 or 6 rounds of prior authorization.
Paid more in premiums every year.
Gotten less for said premiums every year.
Had to pray I could remember all my ailments when I started a new job.
Had to prove that I'd had insurance coverage the entire time I'd had said ailments.
Those last two finally aren't a thing anymore.
So yeah, all kinds of cool shit.