My list for zoom party games:
- Jackbox on steam. You host and users join a lobby to play via browser.
- https://www.drawio.com/ pictionary
- https://garticphone.com/ group telephone game pictionary
- https://oneword.games/room/imported-island coop word game
- https://codenames.game/ group caragories
Insurance IS the third party. From an idealist perspective, insurance is supposed to be negotiating rates with doctors (independent contractors) to try to set a baseline for services and negotiate on your behalf to make sure a doctor isn't charging 10k to apply a bandage.
Eventually insurance companies found out they were holding both the patient approval and writing the policy and started lobbying until they became monster they are today. Now both patients and doctors hate they have embedded themselves in the process siphoning money.