Brokers may agree ordisagree with free-market approaches, but the one thing they can'tdo is ignore them.

Federal and state regulators find it hard to resist getting involved in the health care system.Although the effects of public sector participation are debatable, one thing is certain: Health-carecosts continue to skyrocket, creating an opening for private-sectoralternatives.

“What costs $1 today will cost $1.50 by 2022 if we follow thecurrent trend and if we have to finance risk,” says Daniel Meylan,national sales director for Allied National in Overland Park,Kansas. “In 2012, we had one claim over $1 million per 17,000population. By 2017, it was one per 9,100. That is almost a 90percent increase in the frequency of million-dollar claims. If youproject that to 2020, it's going to be a 232 percent increase overwhat it was in 2012.

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Core and Group Health
Health Care Reform
Cost-Containment