Because whackamole. There's no ruleset that is foolproof. Every time some loophole or exploit is closed, two more pop up.
What's coinsurance? ACA regulates copays, deductibles, and so forth. Ah, but no one said anything about coinsurance. It's totally not a copay, premium, or deductible. See? It's different.
Surprise billing is how hospitals pushed back against insurers. Consolidate and then outsource all actual work, so the hospitals no longer get stuck with the bill. Oh, that specialist you saw in our hospital? Ya, she has nothing to do with us. Ya, you should have asked your insurer if her office has an arrangement (collusion).
What's coinsurance? ACA regulates copays, deductibles, and so forth. Ah, but no one said anything about coinsurance. It's totally not a copay, premium, or deductible. See? It's different.
Surprise billing is how hospitals pushed back against insurers. Consolidate and then outsource all actual work, so the hospitals no longer get stuck with the bill. Oh, that specialist you saw in our hospital? Ya, she has nothing to do with us. Ya, you should have asked your insurer if her office has an arrangement (collusion).