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Over time, the operations of many Blue Cross and Blue Shield operations have become more similar to those of commercial health insurance companies.[47] However, some Blue Cross and Blue Shield plans continue to serve as insurers of last resort.[48] Similarly, the benefits offered by Blues plans, commercial insurers, and HMOs are converging in many respects due to market pressures. Non-admitted insurers are not licensed in
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Neither insurance consultants nor insurance brokers are insurance companies and no risks are transferred to them in insurance transactions.
Third party administrators are companies that perform underwriting and sometimes claims handling services for insurance companies. (IBM, 1970) proposed a formula for presenting risks in financial terms. In some casino's you must announce your surrender decision before the dealer deals to the first hand
