In the US, a hospital would be stupid to make an app like this
Perhaps, but in this example, shouldn't you be considering the insurance company as the entity with the motive to prevent expensive treatments?
Perhaps, but in this example, shouldn't you be considering the insurance company as the entity with the motive to prevent expensive treatments?
If they're increasing rates because their costs have gone up, they're not making more profit. And other insurance companies that have done more to control costs are likely to start taking their customers over time.