I'm old enough that I now go to the doctor more frequently than I used to and it's a mess. A health insurance company that could reliably allow a user to change their address on a website would be competitive. Having all of your medical procedures and orders accessible through a simple CRUD app would be a threat to a lot of multi-billion dollar companies. It's still all done through phone calls and faxes and there are lots of mistakes and it's hugely inefficient. I went to the ER last year and got 5 different bills from different departments of the same hospital. The online payment portal doesn't work unless you call them to set it up. That's not the hospital network I usually go to - my usual provider is probably worse.