This is an outstanding proposal from the Utah Association of Health Underwriters. NB.: the UAHU, like the national and other associations of "health underwriters" are actually brokers, so I can see how they have come to this conclusion.

What is more interesting is the positive response of the Utah Health Insurance Association. I have never really been able to decide to what degree the failure of price transparency is due to providers, or to insurers, whom I think really believe they add value with their PPOs (preferred provider organizations), even though the whole idea is quite absurd.

I think the real challenge here is the doctors, who lobby for insurance policies to cover "medically necessary" procedures under the law and thereby require health insurance contracts to be very imperfect.

• posted by John R. Graham
• November 5, 2007 @ 4:53 pm
• Permalink

Actually, there is an auto crisis in a few states where repetitive drunk drivers are mandated as "low risk." The auto version of community rating. Solution: Get rid of community rating.

• posted by Mike Bond
• November 5, 2007 @ 11:31 am
• Permalink

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