The Multi-State Plan program created under the Affordable Care Act may actually lead to further consolidation of the health insurance industry rather than increase competition through the public exchanges.
The MSP option arguably gives a competitive advantage to large insurers, which already dominate health insurance markets, wrote Robert Emmet Moffit of the Heritage Foundations Center for Health Policy Studies and Neil R. Meredith of West Texas A&M Universitys College of Business in a new white paper. They also contend that MSPs failure to increase competition may motivate a new effort for a public health insurance option.
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