The mandatory health insurance requirement of the Patient Protection and Affordable Care Act of 2010 (PPAC) should significantly reduce the amount of tort damages recoverable for medical expenses. How?
First, under the doctrine of avoidable consequences, tort plaintiffs' damages should be limited to the lower “negotiated rates” for medical services that health care providers agree to accept from health care insurers, rather than the higher “billed rates” charged to uninsured patients for such services.
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