> 2. United owns several physician networks (totaling 90,000 physicians), who then determine what your care should be—no conflict with the fact that they pay th

> 2. United owns several physician networks (totaling 90,000 physicians), who then determine what your care should be—no conflict with the fact that they pay the bills... I disagree that this is necessarily a bad thing. One of the critical problems with our current model is the Fee-For-Service. When the insurance company is separate from the payer, then the incentive is to treat patients like revenue. A significant part of our ballooning costs are due to this fundamental miss-incentive. When the payer and provider are the same entity, that is the one of the only effective mechanisms to control costs. I've thought about this a lot and I think that there are 3 critical changes that would fix the whole fucking thing: - Insurance being one country scale pool of capital - Actually average out the risk across lifetime - Every provider must be the payor - Incentivize hospitals to manage costs - Individual vouchers to join a network - Give the patient agency to join a care network that manages their health well.