Are we talking about providers or insurers? And without all-payer rate setting, how do keep the market from being dominated by a handful of insurers anyway?
Are you sure about that? A
quick search of individual market plans available to someone in a random Los Angeles zip code shows:
- 3 plans available from Celtic Insurance Company
- 4 plans available from Kaiser Permanente
- 3 plans available from Health Net of California, Inc
- 7 plans available from Anthem BC Life & Health co (Anthem BC)
- 4 plans available from Blue Cross of California (Anthem BC)
- 5 plans available from PacificCare Life and Health Ins Company
- 2 plans available from Time Insurance Company
- 2 plans available from John Alden Life Insurance Company
- 3 plans available from Health Net Life Insurance Company
- 23 plans available from Blue Shield of CA Life & Health Insurance Co
- 8 plans available from Connecticut General Life Insurance Co
- 3 plans available from CA Physicians Service dba Blue Shield CA
- 1 plan available from the Guarantee Trust Life Insurance Company
- 10 plans available from Kaiser Foundation Health Plan, Inc
- 3 plans available from PacifCare of California
- 1 plan available from Aetna
And in fact a quick check of the website of the California Department of Insurance reveals the full list of health insurers
licensed in the state to provide group and individual insurance coverage as well as those
licensed to provide only individual coverage. It certainly isn't 6.
What kind of tort reform? The sort of
collateral source rule reform that's been pursued in more than half of all states? Or the sort of
joint and several liability reform that's also be implemented in most states? Or damage caps, like those
implemented in most states:
I find the suggestion to try using specialized medical courts for liability cases to be intriguing. Are you open to that?
So what's the cost control aspect here? People taking better care of themselves?