- Allan Fine: Navigant Consulting, Chicago, Illinois, USA. afine@navigantconsulting.com
Contributing to competition among insurers is the decline in the number of jobs in manufacturing and other fields that traditionally offered generous employer health plans. New jobs tend to be in small businesses and service industries that are likely to offer more austere benefits, if any. This scenario suggests that insurers are more likely to be competing for customers and competing on the basis of price.