I think it's just a simple profit motive. If the insurers can minimize the amount of care while also minimizing the risk of getting sued, why wouldn't they do

I think it's just a simple profit motive. If the insurers can minimize the amount of care while also minimizing the risk of getting sued, why wouldn't they do that? The algorithm/rules can be tweaked to minimize costs while protecting themselves from lawsuits when the algorithm "accidentally" drops coverage for someone who still needs it, as described by the examples in the article.