This isn’t true. Insurers are incentivized by lowering healthcare costs as well. All you have to do is look at all the preventative care that they pay for - o

This isn’t true. Insurers are incentivized by lowering healthcare costs as well. All you have to do is look at all the preventative care that they pay for - often with smaller or no copay (although no copay was mandated by Obamacare).