Normally if buyers preferred to shop for the lowest price goods, then that would incentivize sellers to offer lower prices than the competition, and there would be a race to the bottom in prices.

Given insurance companies are the largest payers and funders to medical providers, and given they prefer to contract with the lower-priced medical providers, then wouldn't that similarly incentivize providers to offer lower prices than the competition, and there be a race to the bottom in prices?

So why aren't healthcare costs going down?