>Private insurance, for all its bad rep, has very strong incentives to have proper utilization. More so than government: when a patient gets hospitalized, insur

>Private insurance, for all its bad rep, has very strong incentives to have proper utilization. More so than government: when a patient gets hospitalized, insurance loses money. "when a patient gets hospitalized, insurance loses money...." and the patient gets the treatment they need. you seem to have forgotten that part. "Proper utilization", in a private sense, is the same as "maximize shareholder value". Anything that damages shareholder value is not "proper". Sick people have very strong incentive to want treatment. HEALTHY people have very strong incentive to want treatment for sick people. Private insurance has very strong incentive to take in as much money and pay out as little as possible.