These will generally be also tied to various govt programs that are getting milked and are not market driven.
You'll have honest / primary care providers going bust under Medicare / Medical and folks who get aggressive on billing / switch to lucrative areas (medicare advantage is mentioned) and milk like crazy.
Large corps shop and cost shift to employees who also shop on price etc so margins are poorer there (where the issue in article is more relevant).
None of what you're saying has anything to do with the issue. The situation is that UHC is posting record profits but they are trying to implement a cost-cutting policy that will punish patients who make the "mistake" of not retroactively knowing their symptoms did not represent an emergency. All your points are about unscrupulous doctors but this policy punishes the patients, not the doctors.
You'll have honest / primary care providers going bust under Medicare / Medical and folks who get aggressive on billing / switch to lucrative areas (medicare advantage is mentioned) and milk like crazy.
Large corps shop and cost shift to employees who also shop on price etc so margins are poorer there (where the issue in article is more relevant).