AI Article Synopsis
- Healthcare costs and health insurance premiums are rising significantly, prompting discussions about alternative purchasing methods.
- A proposal is made to shift from employer-based insurance to individually purchased plans, which could alter the relationship between insurers and healthcare providers.
- The article explores legal challenges to limited provider networks and recommends reassessing these issues to adapt to new health insurance distribution systems.
Article Abstract
The cost of healthcare, and consequently of health insurance, continues to increase dramatically. A growing chorus calls for replacing the fundamental method by which people purchase insurance today--through their employers--with a system of individually acquired insurance. This article argues that changing how Americans purchase health insurance could change the dynamics between insurers and healthcare providers in a way that could favorably impact costs, primarily through reliance on highly limited provider networks. It examines the bases of legal obstacles to limited provider networks embedded in both statutory and case law and urges re-examination of those bases in light of changes in the distribution system of health insurance.
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