Standard "insurance" generally includes copayments for services, sometimes even percentage based. Insurance companies would obviously adapt to such a reform, an

Standard "insurance" generally includes copayments for services, sometimes even percentage based. Insurance companies would obviously adapt to such a reform, and my entire point is to align the incentives better. Over the long term, "insurance" companies operating on a cost-plus basis don't even really want to keep costs down, rather denials stem from needing to make sure any payouts are bureaucratically justifiable.