Well, they are essentially a single-payer system for their customers. That's not really surprising.

They also have an incentive to err on the side of providing less care. Since you still can't meaningfully comparison shop between them and their competitors, I suppose it is exactly like a national single-payer system.

And sometimes less care produces better outcomes. You can run too many diagnostics leading to more false positives.

> They also have an incentive to err on the side of providing less care.

This is only true at the end of a person's life. Before then, ignoring problems does not make them go away, it in fact makes it more expensive for them.

Not quite; there's also the chance you might switch providers before discovering a condition.