Let the health insurance companies deny claims. But then let the medical providers duke it out behind the scenes! Leave patients alone and don't send them bills six months later.
The problem today is the insurers, hospitals and doctors put the patients at the center of the fight.
Insurance denied? You pay patient.
Insurance didn’t pay doctor enough? You pay patient.
Hospital not in network? You pay patient.
I think patients would see it as an improvement if hospital said upfront to go somewhere else as insurance won’t pay. If they knew insurance would pay at the right hospital than it would be better than today’s situation.
Someone comes to you saying they need a website. You say "absolutely ... clearly you need one!". So you build it.
The decision to pay you however comes from some 3rd party who says "denied". Now the customer keeps their site and you don't get paid.
Will you stay in this coding business?
The real solution is a public health system. Which has issues (apply queuing theory, because you will have to wait for the limited resources you are niw denied) overall it is better though since it can in theory be optimized as a whole.