Comment by robbiewxyz

There's such obviously fucked up incentives in this industry.

- When employers select insurance, providers will 100% of the time tend toward ignoring the interests of those who are insured: the incentives to do so are just too strong.

- When an insurance company also owns a pharmacy, it will 100% of the time tend toward overcharging: again all the incentives encourage this.

Unfortunately it seems most folks have little or no experience analyzing incentive structures when looking for levers to pull to improve outcomes. It'd be great to see popular discourse focus more on the environmental factors that incentivise these kinds of corporate abuse.