Very true about the market pressure. Aint a lot of start up health insurance systems robust enough to handle a couple of stem cell treatments or heart transplants.The problem we have in the US is that the Healthcare system is almost completely cut-off from market pressure. Doctors charge higher and higher rates - the insurance companies push back, but only so far because as Healthcare ....
As for doctor payments, those are largely set by the insurance companies already, the docs know what the insurance companies will pay for specific codes so they can decide if they will accept those plans or not. Of course if everyone in your town is on blue cross/blue shield, then you either live with their payments or try ro charge the patient directly and provide something to offset that versis the other docs in town. The real floor for payments is medicaid because a lot of docs have to see patients with that coverage. Only a few can really pick and chose their patients with a high level of psyment capability, hence why the plastic surgeons are driving porsches. And even those guys will often do stuff pro Bono just to help the less fortunate because, surprise, heath care folks got into the field to help people, not just make a quick buck.