The whole "stifling innovation" argument is laughable. Health insurance conglomerates are known for their innovation. Innovating increasingly shitty ways to fuck over the patient and the healthcare provider.

It doesn't take a genius to look around, especially in "rural America", and see that the healthcare system(s) is on the verge of collapse. And healthcare systems all over the country keep screaming this at anyone who will listen, right up until the point they go bankrupt.

Health issurance companies are a huge contributor to this problem. You would get more value for your money, or at least get more of it back, if you took what you spend on health insurance premiums and dumped it into a Las Vegas casino slot machine.