UnitedHealth Group CEO Andrew Witty said in a leaked internal video that the insurance company plays an important role in guarding against "unnecessary" and "unsafe" care.
It's almost like a healthcare system that creates an arms race between health insurance companies denying care vs healthcare providers overcharging leaves us paying huge amounts of $$ while not receiving adequate coverage.
Yeah, they're kind of right that "unnecessary care" happens, but they're conveniently ignoring that they are a large contributor to the problem. Without insurance companies leaving hospitals and patients on the hook for thousands at a time, you might not see $20 bandaids, $2000 ambulance rides, and expensive tests that didn't really need to be done.
And also important is that more people might be inclined to get preemptive care, and physicals/checkups, if it didn't require they jump through so many hoops (or go bankrupt if Dr. finds/treats something).