A few large insurers yield far too much power over doctors, hospitals, patient data, claims, and benefits.
They use vertical integration to control medical care, pharmacy benefits management, and reimbursement to create excessively profitable programs. Based on public support, a universal health insurance program might be a viable alternative to current insurance programs.
Brokerage firms help employers to choose insurance products for their employees, while receiving compensations for their guidance derived from the cost of the insurance they recommend.