Not...really. Take PBM. (Pharmacy Benefits Management). Money is "found" in not paying out claims, or chasing the "cheapest to the company" treatment while pas

Not...really. Take PBM. (Pharmacy Benefits Management). Money is "found" in not paying out claims, or chasing the "cheapest to the company" treatment while passing on the more burdensome long term maintenance costs to consumers. Insurers can be a positive surfacer of unpleasantness. Not before much more unpleasantness is waded through however. See Cigna getting dinged for using an algorithm that 100% rejected first encountered prior auth claims rather than processing them in good faith. https://www.propublica.org/article/cigna-pxdx-medical-health-insurance-rejection-claims https://www.propublica.org/article/cigna-pxdx-medical-health...