Study: Repeat Offenders: How the Insurance Industry Manufactures Crises and Harms America

The first definitive expose of 35 years of manufactured insurance crises.  So far there have been three.  We document how this industry is now creating a fourth.

Imagine an industry that sold a product which every person and business in America needed.  This product was so important that the industry could literally threaten the economy of a state by pulling its product out.  The seller of this product was accountable to no federal agency and regulated only by very weak state agencies.  It was also exempt from anti-trust laws so the entire industry, including so-called “competitors,” could use the same collusive pricing agencies to help determine the product’s price – price fixing that would land others in jail.  Other laws permitted it to keep its financial data secret, enabling it to routinely mislead lawmakers, regulators and members of the media about its financial condition.  This secrecy allowed it to create phony “crises” to help promote its own legislative agenda, padding its bottom line at the expense of everyday Americans.

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