Hospital-administered health care insurance plans reduce costs and simplify care. With a typical insurance company plan, the covered person must coordinate between the insurance company and his or her care providers, and the insurance company is placed in the position of making decisions about coverage based on factors other than the covered person's health. With a hospital plan, the insurance provider is also the covered person's care provider, which translates to cost savings for the provider and better health care for the patient. Removing the separate insurance company middleman in this way would resolve the current U.S. healthcare crisis without the need to raise taxes.
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