Policy analysis and original research on healthcare price transparency, AI navigation, and cost containment from David R. Bell, Founder of TruePrice™ Care.
Federal and state price transparency mandates have produced compliance without consequence: prices are posted but consumers are not shopping. This paper argues that price disclosure is a necessary but insufficient condition for market efficiency — and describes a five-component framework (AI navigation, multi-tier price intelligence, employer cost analytics, persistent steerage incentives, and membership primary care realignment) that converts disclosed prices into decisions and market discipline.
Read Full Paper →A tighter perspective-format argument: price disclosure removes only one of five documented barriers to healthcare shopping. Synthesizes the RAND Health Insurance Experiment, contemporary steerage research, and the membership primary care evidence base to argue that AI-guided navigation and persistent consumer incentives are the missing infrastructure that transparency mandates assume but do not provide.
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