> The former has more incentives to be proactive and minimize costs On an individual basis perhaps in theory, but not on a population basis. See underinsured p

> The former has more incentives to be proactive and minimize costs On an individual basis perhaps in theory, but not on a population basis. See underinsured people afraid to go to a doctor until their condition is so bad it warrants an ER visit. The actual numbers of the cost-effectiveness of US healthcare also shows the complete opposite of "minimizing costs" where it's twice as expensive as any other system