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State Case Studies: Product Standardization in Small Group and Individual Insurance Markets

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Publication Date: November 2009

Publisher(s): The Nelson A Rockefeller Institute of Government

Topic: Health (Health care financing)

Keywords: Health Insurance Reform; Product Standardization

Type: Report

Coverage: New Jersey Massachusetts Maryland


National health reform will rely on consumer choice and competition to control costs whether or not there is a public insurance option, according to this Institute report. Rational consumer choice, however, is difficult without standardizing health insurance plans, so that value can be easily compared. States may have to play a key role in such standardization.