The Future of Health Insurance in the United States

Is the 20^th century model still viable in the 21^st century’s new economy?

The 20^th century’s health insurance business model based on risk pooling no longer reflects the social, technical, economic, and political realities of the 21^st century. The new reality and long-term trend suggest that health insurance in the US will evolve into a third-party administrator (TPA) of value-based claims processing on behalf of government entities, where the lowest cost provider of services will win in the marketplace.

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