The whole system hinges on the idea that a third-party, in this case your employer, picks your insurance plan and pays for it, and yet another third party actually pays the care provider, but only a fraction of the cost, so the provider has to jack up prices knowing that the remainder may as well never be paid anyway. At no point are you, the person receiving care, the actual customer, there’s a bunch of customers involved, but they’re not you, and it’s all done by government mandate. It’s a logistical nightmare. As an added bonus, all of this nonsense operates under the assumption that this is all magic money, and not just your money anyway that your employer shaved off of what would’ve been your wage anyway, because nobody knows math and money can simply spontaneously appear, rather than be an ingrained part of cost of employment.