> Or imagine you had Car Insurance butting in everything including an Oil change and dictating which shop you can use for the oil change. This kind of already

> Or imagine you had Car Insurance butting in everything including an Oil change and dictating which shop you can use for the oil change. This kind of already exists with insurance and car repair. If I damage my car, I take it to an approved repair shop and they give me an estimate. It's in the car repair shop's best interest to provide a quick estimate and good repair. If they don't, I can raise the issue with my insurer who might even lose me as a customer. The repair shop would then potentially lose out on repeat business from the insurance company. Granted, this is a better example of a not-so-free market working vs the "locked in market" of healthcare but I think it's good to provide some counter examples to "it's ALWAYS bad to have insurers with preferred vendors"