It also involves unfair cross-subsidies: prudent and responsible young men help to pay for lead-footed mums.Modern technology enables insurers to gauge individual risk much more precisely.
Winifred Hayes, a nurse whose research and consulting firm evaluates medical technologies for insurers and hospitals, says the proton-beam construction boom is driven more by a technology arms race among hospitals than by compelling medical evidence.
Photograph: ONS That covers banks, insurers, technology companies, other financial firms, estate agents, and goods rental companies.
Shares of pharmaceutical makers, medical technology companies and insurers like Aetna, Humana and UnitedHealth Group dropped, belying the relative strength of the health care sector as the country slipped deeper into recession.
And by being among the first movers in this area, local technology developers, city planners, insurers and the construction sector lend a helping hand, as the projects serve as full-scale demonstration facilities.
We also investigated publicly available technology assessments from private insurers, including the Blue Cross Blue Shield Association Technology Evaluation Center, Aetna Clinical Policy Bulletins, and Group Health Clinical Reviews from Group Health Cooperative of Puget Sound.
Now, InfraReDx represents the perils of the recession for small companies working on promising medical technologies that hospitals and insurers see as experimental.
I predict a similar surge in acquisitions in 2015 as the insurers add technologies, products and services that deliver a differentiated consumer experience on price, quality and service.
In the spirit of compromise, we also are not pushing back against the reclassification of some information technology expenses and part of insurers' spending on so-called "nurse hotlines" as long as insurers can prove that the money spent in those areas improves the health of their individual health plan enrollees.
These larger groups have the scale to invest in information technology, and they are often insurers as well as providers, so they benefit directly from the cost savings.
