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"the incentives for healthcare providers to do things a certain way"
Also the incentives for the insured to turn a blind eye to cost.
After one meets his or her deductible: the cost is absorbed by the pool (the commons) so 'how much' is less important.
And: if 'how much' is less important, one is incentivized to just let the doc or hospital go nuts with tests and whatnot that may not be 'necessary'.
Sure, the insurance company wants to keep costs down but how 'gratuity-laden' is the relationship between insurer and medical provider? Buried in the line items are how many kick backs?
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