Private accreditation initiatives guard consumers' interests. Also, most plans have grievance processes that work well, despite the sometimes unfavorable and unreliable media accounts. Plans have committed themselves to quality for employers and patients. More government intervention will not be better for consumers. The health insurance marketplace is dynamic and customer-driven.
Insurers continue to adapt, tailoring new offerings that show sensitivity to costs and coverage.
Thus, they serve the changing needs of the vast majority of the US population. Unnecessary regulation could limit that adaptability. Worse, the savings that characterize managed care could be lost. It would be a tragedy if patients' rights bills curtailed innovation and forced more people out of the system. Congressional Budget Office.