Re: Health insurance provider
There's a lot of ways to end up in ER that break smartphones quite effectively but wouldn't destroy a laminated piece of card.
Also quite difficult to unlock your phone and open the app if you're unconscious etc.
Equally, lots of ways to end up in ER in your PJs, where you wouldn't have either of them at all.
The US system is batshit. Sure, initial ER treatment is (usually) free but beyond that you're generally utterly screwed unless you can prove insurance.