What would consumer-driven health care mean for health insurance?
In a consumer-driven system, we will eventually move away from an employer-based health insurance system. The employer-based system limits the choice of insurance policies. Under our current system, most people get their health insurance through their employers, and 9 out of 10 employers only offer their employees one insurance plan. Furthermore, employees find it very difficult to take their health insurance with them when they change jobs. Under a consumer-driven health care system, employees would purchase insurance on their own, and employees could reimburse them for it. This will enable employees to take their insurance from job to job. A consumer-driven system will also mean that individuals can purchase health insurance out-of-state. Many states impose highly restrictive regulations on their health insurance markets, making health insurance very expensive. New Jersey is one of the worst, imposing so many regulations that it now has some of the highest health insurance costs in t
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