Accord­ing to the RAND research orga­ni­za­tion, the costs of auto insur­ance (which has a med­ical pay­ment com­po­nent), Work­ers Com­pen­sa­tion and gen­er­al lia­bil­i­ty insur­ance will all go down slight­ly because, as more become enrolled on med­ical plans, the pres­sure on those oth­er cov­er­ages drops, and thus their prices. RAND esti­mates a price reduc­tion of up to 5% — but then imme­di­ate­ly hedges and says there is a lot of uncer­tain­ty about these num­bers. It then turned around and said that, with over 8 mil­lion new cov­ered peo­ple, mal­prac­tice costs could soar. As goes enclo­sure, so goes exposure.