I don't see why it would have to be every month, instead of say a statutory minimum of at least six months notice with such changes only taking effect after an

I don't see why it would have to be every month, instead of say a statutory minimum of at least six months notice with such changes only taking effect after an open enrollment period. The doctors and insurers can sort out how to handle the resulting dynamics in their professionally-negotiated contracts, instead of just falling back to blasting individual patients with fraudulent bills. And yes, if we're going to continue to limp along with these "insurance" companies being the supposed market dynamic, the healthcare industry desperately needs more integration so responsibility can actually be taken and absorbed, rather than just continually punted. The whole industry has fallen into a state where each player passes the blame to someone else, including you as they tell you its now your new unpaid job to make many hours worth of phone calls as you get ground up passing messages between mutually-hostile bureaucracies.