They will have to live with any unpleasant policies they put into place. No uncaring government bureaucrats or self-serving profiteers are involved in medical decision making. The clerks who run RSFs will depend upon their customers for their jobs, so a high degree of courtesy is to be expected. Since there is a multiplicity of RSFs and providers, patients have the freedom to leave those with uncongenial attitudes or policies. Personal MSAs are transferable between RSFs.
Patients have full access to the protection of law.
No dividends are taken out of health system. Since members vote on executive salaries, they are kept reasonable. Money previously spent on administration is available as reserves. The investment income of the RSF decreases premium requirements. Government regulates permissible investments, for safety.