CRS: The Market Structure of the Health Insurance Industry

The Market Structure of the Health Insurance Industry, D. Andrew Austin – Analyst in Economic Policy, Thomas L. Hungerford – Specialist in Public Finance. November 17, 2009

  • “Congress is now considering several proposals to reform the U.S. health care system and address the twin challenges of constraining rapid growth of health care costs and expanding access to high-quality health care. This report discusses how the current health insurance market structure affects the two policy goals of expanding health insurance coverage and containing health care costs. Concerns about concentration in health insurance markets are linked to wider concerns about the cost, quality, and availability of health care. The market structure of the health insurance and hospital industries may have played a role in rising health care costs and in limiting access to affordable health insurance and health care.”
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    Posted in: Congress, Government Documents, Legislation
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