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Totally think that makes sense, but also what a waste of admin that really shouldn't have to exist in the first place, if people never when in to debt to begin with.
We're updating old code instead of rewriting it from scratch. Has to be done, but I wish we were working on the new version in the background with any kind of seriousness.
In theory, insurance companies shouldn't be putting people in debt. They're the ones who should be in debt to the pharmaceutical companies and the government because they're paying out more claims than they can afford to cover with their revenue from premiums.
This being true would force the government and insurance companies to both be fighting the pharmaceutical companies for better prices and for accelerating decelopnent of generic medicines. Also, it would make putting research funding into long-term cures rather than lifelong treatments a more worthwhile gamble compared to now.