where do you see insurance actually trying to save money on medical costs? you don't really.

Does bluecross have cruise ships sitting outside the 12 mile limit of coastal cities with a hospital suite to provide all non emergency care to their plan members after a brief helicopter or cutter ride? does any other providers?

I can guarantee you that would be far cheaper than paying for room nights in billion dollar hospitals which are generally located on the most valuable real estate on the planet...