> We'd need to get to the point where AIs do consistently better than, say, 60 to 70% of the human doctors for insurance companies to feel even semi-comfortable saying "we use AI doctors".

I feel like at the rate AI is developing we will rapidly get to this point, then surpass it. Doctors will also probably be "enhanced" by AI. Imagine feeding all of your data (more than a human could digest, especially for every patient) into an LLM and letting it diagnose...