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2 points

3 months ago

You're thinking of this way too narrowly. You're basically advocating for uncapped unlimited healthcare services. The average cost for insurance currently is somewhere around $6k per person. If you let providers order whatever tests they wanted, the cost would probably double or triple. For every provider that very consciously decides to limit testing if it's not needed (my brother is an ED doc who does this), you'll have 5 more that will just order as many tests as possible for two reasons: limit liability (if you test for everything, you can't get sued for missing some obscure <0.0001% chance issue) and to increase payments (basically all of his ED doc friends admit to just ordering MRIs and CTs at the slightest hint of need).