>also offers a glimpse into a potential future where companies of all sorts, not just auto insurers<p>No, not companies of "all" sorts. Just insurance companies. Other companies are regulated by Congress as part of antitrust regulations which would prevent them from doing this kind of thing. Insurance companies, however, are not regulated by antitrust laws. Insurance is declared to be "not commerce" and therefore not answerable to antitrust laws. They are permitted to break any antitrust law they please. This is why medical insurance companies, for instance, hold national meetings every few years to decide what price they are willing to pay for medical goods and services. This is price-fixing, and it is illegal in absolutely any industry - except insurance. In insurance, they can do it publicly because there literally is no law against it. There's a law PROTECTING it. It was called the McCarran-Ferguson Act. The plan was to repeal it as part of the Affordable Care Act. It was the clause that enabled the ACA to survive the entire revision process... and was then promptly removed from the bill immediately before its passage. This is why the insurers have never really fought very hard against the ACA. If it ever gets repealed, the McCarran-Ferguson act, that is, insurance companies will fall under antitrust regulation and have to change almost every business practice they follow. They will have to compete against one another on price, compete against each other on what prices they pay, etc. It would destroy their profit margins and probably result in the majority of them going out of business quite quickly. Don't hold your breath. It's why the insurance industry spends so much on lobbying and every lobbyist for every single industry will fight its repeal. In other words, it will NEVER happen. The law has been in place since 1945.