Despite countless efforts at reform by businesses, government, and consumer groups, health care costs continue to be very high in the U.S. as compared to other nations. The reasons are too complex to cover in one article, but three health care experts, drawn from the areas of insurance, providers, and research, recently shared some thought on where we stand with health care costs, and what employers and individuals can expect in the near future.

The three perspectives offer different but overlapping views on what drives health care costs and what can be done to ease the burdens those costs create.

Regulation and systemic inefficiencies

Marcy Buckner is vice president of government affairs for the National Association of Health Underwriters (NAHU), an association that represents more than 100,000 insurance brokers, agents, and consultants.

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