[mindslight]

The reasoning is to make pricing transparent and grokkable as in every other industry, end the severity of this in-network out-network divide, and eliminate this ridiculous dance based around providers sending fraudulent bills to patients.

In the car analogy, there are natural differentiators between levels of service, namely completely different shops that Rolls Royce owners go to. Even so, the same shop could have a price list specifically for Rolls Royces, using Rolls Royce certified mechanics.

And the residual where a shop is willing to pay for damage caused by barely competent mechanics on less expensive cars, but only becomes concerned when that liability grows? It seems like that should fall on the business.