the problem is that the people telling you what to do (the healthcare providers / docs) are getting paid to provide services to you. additionally, insurers are

the problem is that the people telling you what to do (the healthcare providers / docs) are getting paid to provide services to you. additionally, insurers are not smart enough to communicate the costs and benefits to patients appropriately. we need a decoupling of the guide (maybe insurers that are actually good) that tells patients what to do next for optimal care and the org that provides the care. that way providers (docs) dont have an incentive to say do more if more isnt helpful