It's not related to insurance companies at all. It's IT and database people; "a database accounting for $100 billion of hospital patient billings will be mined for the effort by Healthcare Analytics". The hospital billing drives it not who was billed; they have all the information, they just have to "arrange" it is what's being done.

It's not related to individuals either, their FICO score doesn't have anything to do with whether they paid their hospital bill or not; FICO's based on credit cards and choices by the consumer; being hospitalized usually isn't based on choice. Your FICO score might get in trouble if you try to live beyond your means but hospital visits/paying is a different ball of wax.

You may pay your credit card and mortgage bills extremely well (have a high FICO) but not have good insurance (low medFICO) so are unable to pay your $400,000 brain transplant bill. Two different problems. However, just because you have crappy insurance doesn't mean you'll necessarily get "excused" from paying all your bill, you still may be given "terms" to pay over time or they may just make the bill less (like they do now) so your insurance company will pay what it will pay. I'm sure there will be an impact on insurance companies and value for money, etc. too.