“cosmetic & LASIK surgery – two areas where third party payers have never been involved. In both fields there is price transparency & price competition. … real price has been falling … despite a huge increase in demand … [&] major tech. innovations."https://www.forbes.com/sites/johngoodman/2018/10/02/employers-could-slash-their-health-costs-overnight-so-why-dont-they/#7ccf87d75421 …
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Show data proving that these are exceptions. Every plan I have had covers Minute Clinic visits. Many plans also have rather significant deductibles, e.g. >$1000 and ACA exchange plan deductibles are far higher. It is backroom deals, not insurance coverage that is the problem
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