Yes check the app while your limp unconscious body is shoved into the back of an ambulance. Type in appendectomy near me while you're writhing in pain in the passenger seat and decided, the hospital the next town over is a better deal
Right now millions of Americans are basically committing fraud: they go to a doctor who has taken an oath to help you. The bill is not getting paid so the government has to step in anyway. May as well make it official.
At least under the current model, many people don't hit their deductible or max out of pocket. I know some older retired couples who are buying insurance on the market with 10k+ deductibles because they're generally in really good health, and the cost of insurance isn't absolutely insane with that level of deductible.
They would absolutely drive an hour rather than 5 minutes for non-emergency situations!