Universal HealthcareBy NextBestFit
Phase 3: Waves 2 & 3: working-age adults · Step 3.3

Wind down the private health insurers

Years 1–5 · State insurance commissioners; NAIC; UHADiscuss this step
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Task 3.3.4 of 6

Insurers may continue in supplementary insurance, workers' comp, Medicare-to-UHP integrated care organizations (as providers, not insurers), international markets, and administrative contracting for UHA.

Who does it
Insurers
When
Year 1+
Trade-off

Letting insurers pivot to supplementary and ICO roles preserves some jobs but keeps them in the health system with incentives to lobby for expansion.

Part of: Wind down the private health insurers

Insurers' UHP-duplicative business ends. They must process all claims for prior coverage (run-off), protect policyholders, and convert or close in an orderly way. The 'Net cost of insurance' line falls from $306.0B to $26.4B.

This step changes 4 existing laws, programs, or institutions. See the list.