What if we just don't have a stick. The government or a company they hire is the party that reviews claims. The insurance contacts must have standardized terms

What if we just don't have a stick. The government or a company they hire is the party that reviews claims. The insurance contacts must have standardized terms and conditions. This probably wouldn't even really hurt the insurance companies. They would not need to compete with each other by denying claims on the backend to provide lower prices on the frontend. The current system is a race to the bottom.