I&#x27;ve had the same thought. It&#x27;d add clarity (as in, an actual <i>answer</i> to &quot;WTF will this cost me, after insurance?&quot;), reduce complexity (&quot;well, we have different rates depending not only on which insurance provider you have but on the <i>specific plan</i> you have&quot;, and associated personnel to manage that and similar BS) and, most importantly, it&#x27;d incentivize insurance providers to work <i>collectively</i> to drive down prices—I suspect they&#x27;d avoid free-riding by forming associations for which a given hospital accepts <i>all</i> or <i>none</i> of the member insurances.<p>Or we could just have single payer. But if we can&#x27;t have that, I think the above would be a fair bit better than the mess we have now.