What's the Difference Between an Annual Deductable and Co Insurance?

The way benefits are designed and insurance products are designed is so fundamentally consumer unfriendly. What if mount sinai sent all their bills to cedar a and, you know, cedar packaged all the e o bs from oscar with all the bl from sinai? And it was all packed together and explained and everything was reconciled appropriately. Could we take a step further and imagine something like that?