Fuck AI

Fun fact: Nope.

Ever get a little check back from your insurance company claiming they want to pass back the savings, or some bullshit like that? It's a lie. Insurance companies are legally required to pay out 85% of everything they collect back out to the insured. If you ever get one of those little checks, it's because they didn't pay out enough for the year and have to send money back out to get down to the 85%.

Insurance companies want prices to go up on everything. It means they can just charge more for insurance and their 15% chunk they get to keep is a bigger number.

What they don't want is things that are hard to be consistent with or high temporary costs for a small amount of people. It makes it harder to just barely hit that 85% payback for the year and could set a precedent for something they approve. They want 500 people paying $2,000 a piece for a broken limb through insurance every year. It's common, it tracks about the same every year, and it means they can count on it being fairly close to the same costs every year and makes it easy to factor in when telling everyone how much insurance will cost them for the year. $1,000,000 paid out, meaning they'll count on making around $150,000.

What they don't want is one patient needing $1,000,000 worth of cancer treatment. They can't plan for those as easily and there's a higher risk you could need something similar in the future again if you relapse. They'd rather you be dead.

So the short explanation is "no". There will just be a bit more adjusting and the insurance companies will be right back to getting their blood money maximized again.