I would guess a reason why Kaiser doesn't have a 95% price reduction is that offering a huge range of options for medical care means the overall cost goes up a

I would guess a reason why Kaiser doesn't have a 95% price reduction is that offering a huge range of options for medical care means the overall cost goes up a bit to counter the more expensive needs of a minority of their members. Unlike most of the direct care models that only take care of part of the comprehensive medical needs of their members. I still think the Kaiser cost reduction is surprising though. The upfront cost of premiums isn't much higher, but the benefits are bonkers. My monthly premium may be slightly higher than other plans cost, but then I have a $0 multi-day stay after a c-section... and nobody is nickel and dime-ing me, or pushing me out sooner than I'm ready, and I even got a 2 person "fancy" dinner to celebrate the birth - we had a 3 course meal (steak and salmon!) with sparkling cider and flutes to boot.