"Narrow networks mean lower premiums. Now, state insurance commissioners are wrestling with how they should be regulated so that insurers stay solvent and consumers are protected.... The [Network Adequacy Subgroup of the National Association of Insurance Commissioners (NAIC)] is working out the details, word by painful word, of a new model network adequacy law. The effort updates a 1996 version that has become badly outdated as insurance products have evolved and the narrow network has become increasingly common."