"[H]ealth insurers are increasingly turning to the ideas that drove [premium support] -- choice, competition, and the power of a (carefully regulated) market -- to address high costs on the procedural level. Call it the micro-voucherization of health insurance. This is known by wonks as reference pricing, and its recent results in California are promising: the costs of hip and knee replacements fell by 19%, with no attendant decrease in quality."  MORE >>