You think its a fluke and not intentional corruption of the system? These companies pays both parties a lot so nobody will ever fix this, that isn't a fluke that is just plain old corruption.
This is why even the meager amount of wealth redistribution we got (which was really young to old and not wealthy to poor) came about due to a fluke 6 months in 2009 that one party had 60 senate votes, and 58 or so votes supported a taxpayer funded option, but 42 did not, so the taxpayer funded option did not make it into the final bill.
https://en.wikipedia.org/wiki/Public_health_insurance_option