Then by all means please enlighten me.
This is a free enterprise nation. It’s called Capitalism.
Where there is money flowing into a market, there are going to be businesses competing to get a slice of that money.
Businesses will compete for it. Each will carve out a segment.
Look at Medicare. The government pays only so much for services, but there are more than a few companies that compete for the business. They have structured different plans. People opt for different plans.
Some contract with hospitals. Some have their own facilities.
If Medicare is that competitive, and it is rather iron clad due to the government determining how much it will pay, then general insurance is going to be competitive too.
Look at all the pharmacies out there competing for our medication business. They each get paid pretty much the same by the government, but they still compete and offer different services, in addition to the medication services.
Some offer flu vaccine shots. Some have other deals.
More competition, will open up more choices. Plans, fees, other services tossed in, this is the goal. It will happen.