Even more reasons for insurance companies to not exist. Not only does what you describe introduce additional middle-man costs that aren't being spent on actual

Even more reasons for insurance companies to not exist. Not only does what you describe introduce additional middle-man costs that aren't being spent on actual care, but it also obscures the overall health of the public, by creating a number of private health pools that are administered separately. If we had a single payer system, we'd have much better data on spend vs outcomes and would be able to direct the flow of care much better.