<h3>Candidates' plans to bring little reform, don't address costs, analysts say</h3><p class="source">CBS MarketWatch.com</p>
<p>FTCR's Jerry Flanagan points out, however, that the double-digit rate increases by health insurers far exceeds the inflationary rate for doctors and hospitals, which has been estimated at 4% to 6% a year. Flanagan adds that insurers' overhead is out of whack, pointing out it runs roughly 20% to 25%, while overhead under the Medicare program is roughly 3%. And it will only get tougher to clamp down on runaway costs as merger activity is leaving the market with fewer insurers, Flanagan says. </p>