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The Future of Health Insurance in the United States

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

The 20th century’s health insurance business model based on risk pooling no longer reflects the social, technical, economic, and political realities of the 21st 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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