Oct. 29, 2025
CIPR Journal Club - Addressing Low-Value Insurance Products With Improved Consumer Information: The Case of Ancillary Health Products
CIPR Journal Club - Addressing Low-Value Insurance Products With Improved Consumer Information: The Case of Ancillary Health Products
Wednesday, October 29th at 12:00pm Central
Join CIPR on October 29th for the next installment of our Journal Club webinar series. Each Journal Club features a guided discussion of one article from our Journal of Insurance Regulation. These sessions are interactive, and attendees are encouraged to turn on their cameras, unmute, and engage in the conversation via breakout groups.
The article 鈥淎ddressing Low-Value Insurance Products With Improved Consumer Information: The Case of Ancillary Health Products鈥 by Jackson Williams explores how information asymmetry and limited consumer understanding contribute to the prevalence of low-value insurance products. The article presents policy solutions鈥攕uch as improved disclosures and labeling to empower consumers and promote fair competition in the insurance market. Join us to discuss the article and explore the implications of the proposed policy solutions beyond the ancillary health insurance market.
Please review the article before the webinar and bring your questions and observations. A brief executive summary is provided at the beginning of the article for your convenience.
This program is pre-qualified for 不良研究所官方 Designation Renewal Credits (DRCs). Active designees may apply awarded credit toward the current renewal cycle. Visit the for more information. Credit is available for those who participate in the full duration of the session, including breakout groups.
Learning Objectives
1. Discuss how information asymmetry, product complexity, and marketing practices create challenges for consumers within and beyond ancillary health insurance.
2. Critically assess the balance between regulatory intervention and consumer choice, considering the trade-offs between consumer protection and market competition.
3. Propose ways to extend the research and policy recommendations in the article by applying its framework for improved consumer information and comparative disclosures to other insurance markets.
About the National Association of Insurance Commissioners
As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (不良研究所官方) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the 不良研究所官方, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. 不良研究所官方 staff supports these efforts and represents the collective views of state regulators domestically and internationally.