CAHC’s Joel White was referenced in the testimony of Brian Blase, Ph.D., President of Paragon Health Institute, before the Senate Finance Committee.
According to Joel White’s November 6, 2025, testimony, many county-level exchange markets now have two insurers with at least 70 percent of enrollment, 97 percent of inpatient hospital markets lack meaningful competition, and uncompetitive hospital markets lead hospitals to increase prices 15 to 30 percent. Instead of competition driving costs down, consolidation on both sides created a stable high-price equilibrium in which neither hospitals nor insurers had incentives to reduce prices.