Unfortunately, we as a nation, don’t have a pre-established plan for financing a pandemic, despite the clear historical lesson of the 1918 flu and the long list of recent near misses, like SARS, Ebola, swine flu and MERS. So it’s unlikely that all carriers and employers will be able to comply with such new requirements completely from reserves. That means these new insurance industry commitments will need to be backstopped by the government, which would require either action by Congress or a decision to dedicate a small portion of existing virus relief money to this new insurance consumer security program.