From a profit standpoint, the health industry (providers, not payers) have every incentive to delay care for chronic conditions until they can't get away with n

From a profit standpoint, the health industry (providers, not payers) have every incentive to delay care for chronic conditions until they can't get away with not doing it. Once a patient is sick enough, more resources and justification tends to be thrown against the insurers to pressure them to pay up, no matter the cost. One might recall Michael Moore's infamous protests for a dramatic example of this.