Researchers at the Georgetown University Health Policy Institute have looked at health insurance contracts in California and Massachusetts and have produced the following reports, including recommendations for a “Coverage Facts Label” akin to a food nutrition label that would help consumers understand the terms of their health insurance at a glance and be able to cross comparison shop for health contracts. 

http://www.americanprogressaction.org/issues/2009/05/pdf/CoverageWhenItCounts.pdf  (general)

http://www.rwjf.org/pr/product.jsp?id=42248 (Massachusetts)

http://hpi.georgetown.edu/papers.html (California)