And the doctor worked for you. You scrutinized the bill. You made the decision about what course to take for treatment.
When the insurance I had through work switched to an HMO, that all changed. I never liked it. The HMO paid for the doctor's visit, but the downside was they determined my treatment.
The new medicine is more about public health than providing for individual differences. A patient is a data point, to be evaluated accordingly.
There was a TV news segment a few months ago about an innovative medical practice that was scheduling annual medical checkups for groups of people. Can you imagine the pressure to get tests and vaccines etc without thinking about it when one is part of the group?
But if you decided wrong, you were not seeing ten ads a day for lawyers to get you a lot of money from the doctor for your mistake!