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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.



Yeah I'm in favor of a single payer system, but I think that's even less likely than adding some guardrails to what we have now.




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