Your health insurer shouldn't decide your treatment plan. That's what your doctor - and AI - should be doing.

The article argues that health insurers should not decide patients’ treatment plans, and instead emphasizes a model where doctors and AI jointly support shared decision-making. It describes a system in which Americans can choose clinicians with confidence, receive timely appointments, and move from diagnosis to treatment with fewer delays caused by prior authorization. The approach is traced to research by John E. “Jack” Wennberg and colleagues, showing that when patients understand options and discuss them with physicians, they tend to select more conservative, less costly treatments while reporting better outcomes. The piece calls for a comprehensive, real-time digital health record, an objective AI model built on credible medical data, and time for doctors to discuss options without financial conflicts. As an example, Microsoft’s AI Diagnostic Orchestrator reportedly diagnosed 85% of cases in the New England Journal of Medicine, compared with about 20% for human doctors.