Solutions to the Real Problem Strengthen Physician Discipline. Reduce the amount of malpractice by improving physician discipline. Institute tougher licensing requirements and increase funding to police physician discipline. Eliminate Physician Self-Referral. Create Unified Pools and Collapse Insurance Rate Categories.
Many insurers divide doctors into too many risk categories.
In order to spread the risk and lower premiums, rate categories can be compressed into three or four categories. Consider Experience Rating. When a driver seeks automobile insurance, the insurer looks at the driver's experience over a period of time. Many medical malpractice insurers do not look at experience, and as a result, bad doctors are not being penalized for their actions. Experience rating would deter malpractice and encourage good medicine.