Topic: Administrative Complexity in the US Healthcare System

Please answer thoroughly the following questions:

1) A concise description of the issue, its impact, perspectives of proponents and opponents, policy recommendations and barriers for improvement/change, including any recent developments and their implications?

2) How the issue/topic impacts the commercial insurance industry i.e., healthcare administration, cost, quality, provider payments, access, coverage or managed care regulation?

3) How the issue has personal and practical relevance in the workplace or the community?

4) What are the overall causes, consequences & proposals to this topic?