"To ameliorate one of the systemic problems arising from this dynamic -- the problem of consumers receiving multiple confusing invoices for the same procedure from insurers and providers -- we propose a realignment of the billing and collection of deductibles, coinsurance, and copayments from health care providers to health insurance plans. Specifically, we propose the consideration of federal legislation requiring all providers, whether in or out of network, to bill through the insurer."  MORE >>