One little technical problem: aside from captive provider systems with electronic medical records like Kaiser, not a single insurer I know of in the US has any ability to affect this scandalously high rate of often unnecessary, always expensive, high-volume surgery.

FORBES: Those Pesky Implementation Details

One key topic: Whether new rules would cover just independent agents, who work for themselves and sell products from two or more insurers, or so-called "captive" agents, such as the typical State Farm agent, who sell products of just one insurer.

FORBES: Sunlight For Insurance