>I have trouble believing empowering people who have no risk of losing their job and no one knows they exist is the best model for making decisions for other people.

You mean like the (non-medical doctors) third-parties contracted by my private insurance provider who routinely deny important care[0] and even reject pre-approvals for antibiotics for MRSA infections even after multiple interactions with several medical doctors confirming both the diagnosis (with accompanying pathology) and the appropriate course of treatment.

Yeah, you keep that rolled up newspaper handy so you can "Gub'mint bad! Bad Gub'mint!"

I hope you never have to deal with a life-threatening situation where your insurer flatly refuses to cover treatment until after you're dead or have body parts amputated.

[0] https://news.ycombinator.com/item?id=46291740