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Red-Light Camera Testimony

PIRGIM, along with our national affiliate, the U.S. Public Interest Research Group, have been concerned by many of the red-light ticketing practices around the country. We articulated those concerns in a report titled  “Caution: Red Light Cameras Ahead- The Risks of Privatizing Traffic Law Enforcement and How to Protect the Public.” We also spelled out what we believe it would take to protect the public if red-light cameras were to be introduced.

Resource | Health Care

Building a Better Health Care Marketplace: Driving Quality and Cost Improvements through the Exchange

A health care exchange that pools its enrollees’ bargaining power will help give consumers a better deal on their coverage, but it will need to do more to get the unsustainable rise in health care costs under control.

Resource | Health Care

Building a Better Health Care Marketplace: Ensuring Exchange Stability and Protecting Against Adverse Selection

The idea of creating health insurance purchasing pools, like those called for in the Affordable Care Act, is not a new one.  In the past, many states have experimented with creating such pools, and their experience has shown that mechanisms like the exchange can succeed at improving choice and holding down costs.  But experience has also shown that success is not automatic

Resource | Health Care

Building a Better Health Care Marketplace: Negotiating for a Better Deal

A well-made state exchange can help deliver lower costs for individuals and small businesses. Just as big businesses negotiate with insurers, using the bargaining power of their employees to push for lower premiums, so too can exchange enrollees benefit from a muscular exchange that negotiates on their behalf for better choices and lower costs.

Resource | Health Care

Building a Better Health Care Marketplace: Ensuring Accountability

The opportunity to create a state exchange will allow Michigan to increase competition and improve choices in our insurance market.   However, to fully realize this opportunity, the exchange must be accountable to the public, and the individual and small business consumers who will buy their coverage through it.  

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