This is the problem with insurance in general. The incentive of insurance is at direct odds with patients and doctors. It's a tug of war, and even if insurance

This is the problem with insurance in general. The incentive of insurance is at direct odds with patients and doctors. It's a tug of war, and even if insurance "loses", it doesn't matter, because you lost trillions of dollars in that tug of war. It's artificial inefficiency caused by privatization, very much a Dark Night burning a mountain of money situation.