I really wish the USA would switch to this sort of model. That sort of health security would engender a wave of innovation and efficiency.
In practice this mostly means removing resiliency from the system so that it does in fact cost less in the successful steady state but is fragile in the face of any disruption.
This is why it worked so well for management consultants in the 80s and 90s: get the win right away, get paid, then après moi le déluge.
I am of the opinion that good business requires leaving money on the table, sometimes lots of it. It is the slack in the system that keeps so many happily employed and maintains resilience in the network itself.
It is the most expensive healthcare system in the world that provides excellent healthcare for the richest people in the world (perhaps in the top 3 for this category of “customer”), but in terms of efficiency, outcomes, and statistics that matter for the general population, it is barely in the top 30.