Four-dollar generics--increased accessibility, impaired quality assurance.

1885 ket anyway — insurers come and go all the time — but those who do leave now will undoubtedly blame health care reform, including the loss-ratio provisions. The American Medical Association actively lobbied the NAIC for strong loss-ratio requirements to ensure that insurance premiums actually pay for health care services. The share of premiums that goes to overhead and profit will also become more visible to consumers. Congress concluded that the benefits of transparency and greater efficiency were worth the risk of losing inefficient insurers in some markets. Time will tell whether this judgment was correct.