Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
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Notes -
This is what copays and deductibles are supposed to handle. The insurance shouldn't be paying you for cheaper stuff, you should be paying more for the more expensive stuff. If you pay 10% of everything then it's "Do you want a $30k C-section (and pay $3k out of pocket) or a $20k C-section (and pay $2k out of pocket)?"
My understanding is that these are largely messed up and don't entirely function this way. But the idea of the insurance company paying you is just a really mangled version of this plus theft from your employer who is paying the insurance company.
But your copay example is the realtor incentivization problem, just in reverse! If copay is proportional to the total price, people won't be sensitive enough to small changes in their copay.
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