In your opinion, what obligation do consumers of insurance-specifically, patients with health insurance-have to understand how health insurance operates? Do you think the average patient understands his or her insurance benefits? How might past patient experience with health insurance impact future patient behavior?

What kinds of policy decisions can be made at the state level to improve patient understanding of health insurance? What steps can healthcare providers take to improve patient understanding? What steps should healthcare providers take to improve patient understanding?

Review other posts submitted by your classmates. Respond to at least two other posts. In your responses, take a position that respectfully disagrees with the original poster. How would you approach these issues? What roles do personal responsibility and financial transparency play in this debate?