I know all that. But the malpractice insurance (the deep pocket) has nothing to do with the medical insurance provider. The providers don’t sue the doctors and hospitals - the patients sue as individuals. That has nothing to do with their coverage provider. The coverage provider is not involved in the relationship between the patient and the doctor and/or hospital. When someone sues for malpractice, they’re suing under tort law for personal and sometimes punitive damages based on injury to their person. The goal is to get money, but the basis and content of the suit - the tort — is not about money. It’s about damage to their person. The monetary value placed on that is secondary to and predicated on the damage. It isn’t the subject/heart of the suit itself.
Apples and oranges. There’s no relationship between the two (malpractice insurer and medical coverage carrier).
Actually it does have a lot to do with it. Doctors have to increase their prices to cover the cost of malpratice insurance. They also have to run tons of tests they normally wouldn’t need to do just to cover themselves. So, yes, it does increase the costs.
Not so! Medical insurance coverage insures the patient against the medical costs of malpractice, with indemnity agreements. Settlement is based on projected medical costs of the insured's injury. But, the malpractice attorney usually negotiates a fractional repayment of those costs to settle with insurance company for the benefit of the plaintiff. So, malpractice costs go up, and insurance costs go up. Been there, done that.