in quality or will more individuals end up uninsured because of increased costs? It is clear that additional mandates and regulations on health plans will increase costs, but it is not known by how much. 20 Therefore, it is impossible to predict the extent to which employers and unions would stop providing benefits if faced with more regulations.
The central question is this: Can the present marketplace force a higher quality of health care, or will regulation better serve consumers? And if regulation is chosen, will many potentially innovative ways to finance health care be lost, as employers assert, because strict regulations limit experimentation?