Insurance companies are incentivized to not pay anything. They currently demand that patients do not even go to a hospital, hence the price penalties for going

Insurance companies are incentivized to not pay anything. They currently demand that patients do not even go to a hospital, hence the price penalties for going to an ER and lack of preventative care coverage. The only thing an insurance company will demand is what they currently do - the lowest cost, which is an Rx for pain pills.