- Left Out: The failure of a hospital chain that provided its own malpractice insurance threatens to leave injured patients with no recourse.
- Absent Oversight: States give little scrutiny to “self-insuring” health care companies. Agency officials say laws allow them to dodge normal safeguards.
- Physician, Pay for Thyself: Doctors promised malpractice insurance have discovered they have no coverage for defense expenses and claims. One met with a bankruptcy lawyer.



A hospital around me was deducting health insurance premiums from employee checks, but never paid the insurance company so no one had insurance.