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![](https://lemmy.world/pictrs/image/0d5e3a0e-e79d-4062-a7bc-ccc1e7baacf1.png)
I’d imagine we’d see insurance invest money into making offers to providers. They’d refer the patient to a health insurance company instead of negotiating, and in exchange they’d get a large one time payout for a successful referral. This would please investors in the providers, because they’d see short term gains, and it’d please the insurance company because patients would be forced to have insurance again. Everyone (with money) wins!
Samsung’s clock application did this pretty well, where you don’t even have a reset count button until you press the button that stops the stopwatch from counting.