"Moving ahead, enrollee cost sharing for COVID-19 tests in a clinical setting will depend on their health plan and where they receive a test," researchers say.

With health care spending expected to increase 10% in the next three years, the case for reference-based pricing is growing, while employers with at least 100 employees should also be looking at self-funding.

How health insurers hide behind HIPAA in sharing any meaningful claims data with you about your employees while farming every imaginable fact about all plan members.