[ETH_start]

What evidence is there that they do that? That would be a very one-dimensional competitive strategy, given a competing insurance company could wipe them out by simply being more reasonable in handling insurance claims and taking all of their market share.

[Mil0dV]

If there is objective, complete data available to all consumers, who are not influenced by all sorts of other means to choose.

Right now it's a race to the bottom - who can get away with the worst service. So they're motivated to be able to prevent bad press etc.

The whole system is broken. Just take a look at the 41 countries with higher life expectancy.

[ETH_start]

There is no evidence that this what's happening, and the famous RAND health insurance study showed that health outcomes have almost no relationship with the healthcare system, so you'll need to look elsewhere for explanations for the U.S.'s relatively poor standing in life expectancy rankings.