But I blame the agents selling it more than the companies. Agents are selling it under the same "hat" as selling insurance. They often pitch it to people that they initially prospected for real insurance.
It is the agents who need to offer greater transparency and disclosure. They are the ones with the most at risk. And they have just as much "moral peril" as the company does.
I would agree with you there - that if an agent fails to disclose something, there is an issue.
I self-enrolled and didn't talk to an agent. In my opinion, the website was pretty clear.
My point above was to illustrate that even if you tell a person month by month what their copays will be, that often they don't listen and claim that the agent mis-led.
In other words, how many more times do they need to blast on their website "this is not insurance?"