Insurers incentive patients and suppliers to spend more: where is it the craziest?

https://www.cato.org/publications/commentary/want-cut-health-care-costs-get-insurers-out

You cannot spend more on chemo or heart surgery or stents or hip prosthesis.
On the other hand, you can spend more and more on drugs for everything and on consultation for everything and on imaging especially expensive ones for everything you feel a little bit abnormal.

Insurance works very well for illness but it is deleterious for other issues which are common and don't need any medicine. Health is not brought by the so-called healthcare.