KFF Health News Nov 5 2025 Economist Vivian Ho has been researching the U.S. health care system for four decades. These days, she's focused on what she thinks are the biggest burdens on the average American: runaway hospital prices and rising health insurance premiums. She has developed a strategy for addressing high insurance premiums — one that's based on giving patients reliable information about how much they, and their insurer, would have to pay for care. The system is already working in