Not necessarily. You could improve efficiencies or cut other costs. But even if it did mean prices went up... so what? That's the point of insurance. You pay i

Not necessarily. You could improve efficiencies or cut other costs. But even if it did mean prices went up... so what? That's the point of insurance. You pay in an average amount and the insurance covers you if you are on the wrong side of the cost distribution. If I am buying insurance then I want insurance. I don't want to get lower premiums by having a fun game of "maybe actually you'll not be able to get that cancer treatment" based on somebody other than my doctor deciding that I don't really need it.