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If everything is fundamentally contract law. How the hell did we allow surprise billing to be legal. Prices are all made up, but ruining your life is real. America needs to change.
Doctors are seeking the highest compensation. Insurance companies are seeking the lowest compensation. The surprise is what they agree to pay and you being left with the difference.
It's basically Godzilla and Muto fighting it out, the US Government saying "Let them fight", and the cities they destroy while being allowed to fight is the American public.
Hopefully all of these predatory agencies will go bankrupt. U.S. emergency rooms are the most expensive, least efficient sources of health care on the planet.
This new arrangement of deck chairs will make the Titanic's maiden voyage so much better.