Now what should I get - Health Insurance or Credit Cards

Applying for healthcare coverage in America is a blast! Picture these scenarios:

1. Getting a new credit card - you either get pre-approved offers in the mail, or you simply enter your Social Security Number and some details on a web form, get approved in a few seconds, and there - you have your card!

2. Apply for Health Insurance - First fill in atleast 30 pages of form. All health information since you were born. Then do a verification phone call with the underwriter (which sounds like undertaker). And often get rejected for ridiculous reasons - Mono, which I have had personal experience getting rejected with (Imagine the statistic from Wiki, well over 90% of all adults are exposed to at some point in their life!) or Acne (someone from a forum reported getting rejected for THAT!).

Now why is health insurance not as easy to obtain? Why do I need to enter the same information several times. Just like a credit history, who don't I have a centralized health history? How can America, the most powerful country in the world, have such a broken health system? Something's gotta give...