Bernie Sanders got the closest in his second round Democratic Presidential Candidates Debate to actually outing the practice of rationing health care by administrative hassle. To give credit where it is due, it is Brad DeLong who has discussed "rationing by hassle" long before I write of it here, but I can find many others using the term as long as twenty five years ago.
Yes, you need to know how to work the system to obtain the coverage you believe you deserve. But, you pay with a considerable piece of your time and a little bit of your sanity.
As Bernie Sanders noted, "we have to deal with this incredible complexity that is driving every American crazy."