Clayton M. Christensen and Darius Tahir authored a piece for the Huffington Post that appeared on July 16, 2010 titled, “Health Insurance Rate Wars — Are We Focused on the Right Fight?” In it, the authors argue that rate increases are in fact the last symptom of the disease afflicting the health care system, not the fundamental problem itself. Instead of the constant bickering over rate increases, to improve the health care system fundamentally, we need to focus on the delivery model itself. You can read the full piece here.