Health care spending concept illustration In another boon to consumers, the plan requires that the savings generated for providers be used to negotiate reduced payments and savings for plans.

A newly published policy proposal imagines a United States health care system where insurers, not individual providers, take over the responsibility of collections and billing.

Among other benefits, the authors tout their proposal as an answer to “surprise billing” — the problem of out-of-network billing that has vexed consumers, employers and legislators.

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