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Industry groups put a positive spin on a grim report to Congress and the White House suggesting that insurers no longer deserve a limited exemption from federal antitrust law. With momentum building to pull the rug out from under the McCarran-Ferguson Act, it might be time to start thinking about Plan B. What will insurers do if their precious shield is stripped away? How would they adapt?

The Antitrust Modernization Commission offered little solace for insurers. The group shrugged off any concerns about losing particular McCarran benefits–such as insurer data sharing–suggesting such problems should be worked out in the courts.

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