There is no technical solution. The problem in the US is that we are a combination of a free market and government controlled single payer system. To improve things the government would have to pick one which is impossible.
a. Insurers don't really innovate.
b. Because the doctor doesn't know what price they negotiated with your insurer.
c. There are a ton of regulatory constraints.
a. Insurers don't really innovate. b. Because the doctor doesn't know what price they negotiated with your insurer. c. There are a ton of regulatory constraints.