Options for Lowering Costs for the Privately Insured

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There is no shortage of proposed solutions to reduce health care costs and expand coverage in the U.S. However, central to many policy options is the concept of increased market competition and/or increased regulation of health care insurance markets. In other U.S. markets, competition is a tool used to achieve standard levels of quality and efficiency, spur innovation, and drive down costs thereby improving affordability. Further, in U.S. health care, market competition can take many forms but does not guarantee the quality of care. This session explored how cost-saving proposals to spur market competition or enhance regulation address: (1) fiscal implications; (2) coverage; (3) accessibility to patients (including out-of-pocket costs and equity), and (4) provider reimbursement. Panelists also explored how the COVID-19 pandemic may increase urgency or complicate discussions around these policies.


  • Fred Bentley, MPP, MPH, Managing Director, Avalere
  • John Holahan, Ph.D., Institute Fellow, Urban Institute
  • Avik Roy, President, The Foundation for Research on Equal Opportunity
  • Emily Stewart, Executive Director, Community Catalyst
  • Kate Sullivan Hare, Vice President of Policy and Communications, Alliance for Health Policy (moderator)

This event is made possible with support from Arnold Ventures.