About 'private health insurance cost'|Private Health Insurance Exchanges Enjoy an Edge Over State HIX

About 'private health insurance cost'|Private Health Insurance Exchanges Enjoy an Edge Over State HIX

Ｐｒｅｓｉｄｅｎｔ               Ｏｂａｍａ               ａｎｄ               ｃｏｍｐａｎｙ               ｈａｖｅ               ｂｅｅｎ               ｄｒｏｐｐｉｎｇ               ｔｈｅ               ｔｅｒｍ               "ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅｓ"               ｗｈｅｎ               ｄｉｓｃｕｓｓｉｎｇ               ｔｈｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｒｅｆｏｒｍ               ｂｉｌｌ. Ｔｈｅｒｅ               ｉｓ               ａｎ               ｕｎｄｅｒｌｙｉｎｇ               ａｓｓｕｍｐｔｉｏｎ               ｔｈａｔ               ｐｅｏｐｌｅ               ｋｎｏｗ               ｗｈａｔ               ａ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ               ｃｏｎｔａｉｎｓ. Ａ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ               ｉｓ               ｍｏｒｅ               ｔｈａｎ               ａ               ｓｉｍｐｌｅ               ｌｉｓｔｉｎｇ               ｏｆ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ. Ｔｈｅｒｅ               ａｒｅ               ｃｅｒｔａｉｎ               ｃｏｍｐｌｉａｎｃｅ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ｎｅｅｄ               ｔｏ               ｍｅｅｔ               ｔｏ               ｂｅ               ｉｎ               ｔｈｅ               ｅｘｃｈａｎｇｅｓ,               ａｎｄ               ｔｈｅｒｅ               ａｒｅ               ａｌｓｏ               ｆｅａｔｕｒｅｓ               ｔｏ               ｈｅｌｐ               Ａｍｅｒｉｃａｎｓ               ｄｅｔｅｒｍｉｎｅｄ               ａｆｆｏｒｄａｂｉｌｉｔｙ               ａｎｄ               ｃｏｍｐａｒｅ               ｐｌａｎｓ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔｈｅｍ               ｉｎ               ｔｈｅｉｒ               ｓｔａｔｅ. Ｗｈａｔ               Ａｒｅ               Ｈｅａｌｔｈ               Ｉｎｓｕｒａｎｃｅ               Ｅｘｃｈａｎｇｅｓ?                Ｉｎｓｕｒａｎｃｅ               Ｍａｒｋｅｔｐｌａｃｅ                Ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅｓ               ｐｒｏｖｉｄｅ               ｃｏｎｓｕｍｅｒｓ               ａｎ               ｅａｓｙ               ｗａｙ               ｔｏ               ｃｏｍｐａｒｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎｓ. Ｉｆ               ｙｏｕ'ｖｅ               ｅｖｅｒ               ｃｏｍｐａｒｅｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎｓ               ｔｈｒｏｕｇｈ               ｙｏｕｒ               ｃｏｍｐａｎｙ'ｓ               ｈｅａｌｔｈ               ｂｅｎｅｆｉｔｓ               Ｗｅｂ               ｓｉｔｅ,               ｔｈｅ               ｅｘｃｈａｎｇｅ               ｉｓ               ｓｉｍｉｌａｒ,               ｏｎｌｙ               ｍｏｒｅ               ｅｘｐａｎｓｉｖｅ.                Ｒｕｎ               ｂｙ               ｔｈｅ               Ｓｔａｔｅ                Ｃｕｒｒｅｎｔｌｙ,               ｔｈｅ               ｉｄｅａ               ｉｓ               ｔｏ               ｈａｖｅ               ｅａｃｈ               ｓｔａｔｅ               ｓｅｔ               ｕｐ               ｉｔｓ               ｏｗｎ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ. Ｍａｓｓａｃｈｕｓｅｔｔｓ               ａｌｒｅａｄｙ               ｈａｓ               ｏｎｅ. Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｔｉｍｅ,               ｓｏｍｅ               ｓｔａｔｅｓ               ｍａｙ               ｊｏｉｎ               ｆｏｒｃｅｓ               ｔｏ               ｃｒｅａｔｅ               ｒｅｇｉｏｎａｌ               ｅｘｃｈａｎｇｅｓ,               ｅｎｃｏｍｐａｓｓｉｎｇ               ｍｏｒｅ               ｔｈａｎ               ｏｎｅ               ｓｔａｔｅ. Ｔｈｉｓ               ｍａｙ               ｗｏｒｋ               ｆｏｒ               ｓｍａｌｌｅｒ               ｓｔａｔｅｓ,               ｂｅｃａｕｓｅ               ｉｎ               ｔｈｅｏｒｙ,               ｔｈｅ               ｍｏｒｅ               ｐｅｏｐｌｅ               ｉｎ               ｔｈｅ               ｍａｒｋｅｔｐｌａｃｅ,               ｔｈｅ               ｍｏｒｅ               ｃｏｍｐｅｔｉｔｉｖｅ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｒａｔｅｓ               ｗｉｌｌ               ｂｅ.                Ｆｒｅｅ               ｏｒ               Ｌｏｗ               Ｃｏｓｔ               Ｉｎｓｕｒａｎｃｅ                Ｉｆ               ｔｈｅ               Ｍａｓｓａｃｈｕｓｅｔｔｓ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ               ｉｓ               ａｎ               ｅｘａｍｐｌｅ,               ｔｈｅ               ｅｘｃｈａｎｇｅ               ｉｓ               ｗｈｅｒｅ               ｃｏｎｓｕｍｅｒｓ               ｃａｎ               ｄｅｔｅｒｍｉｎｅ               ｔｈｅｉｒ               ｅｌｉｇｉｂｉｌｉｔｙ               ｆｏｒ               ｌｏｗ               ｏｒ               ｎｏｔ               ｃｏｓｔ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ. Ｒｅｌａｔｅｄ               ｉｎｆｏｒｍａｔｉｏｎ               ａｎｄ               ａｐｐｌｉｃａｔｉｏｎ               ｆｏｒｍｓ               ａｒｅ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ｍｕｌｔｉｐｌｅ               ｐｒｏｇｒａｍｓ,               ｉｎｃｌｕｄｉｎｇ               Ｃｈｉｌｄｒｅｎ'ｓ               Ｍｅｄｉｃａｌ               Ｓｅｃｕｒｉｔｙ               Ｐｌａｎ               (ＣＭＳＰ)               Ｃｏｍｍｏｎｗｅａｌｔｈ               Ｃａｒｅ,               ＭａｓｓＨｅａｌｔｈ,               Ｈｅａｌｔｈｙ               Ｓｔａｒｔ,               ａｎｄ               ｔｈｅ               Ｕｎｃｏｍｐｅｎｓａｔｅｄ               Ｃａｒｅ               Ｐｏｏｌ. (Ｃｏｍｍｏｎｗｅａｌｔｈ               Ｃｏｎｎｅｃｔｏｒ)                Ｃｏｍｐｅｔｉｔｉｖｅ               Ｍａｒｋｅｔｐｌａｃｅ                Ｉｎ               ｔｈｅｏｒｙ,               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ               ｉｓ               ａ               ｃｏｍｐｅｔｉｔｉｖｅ               ｍａｒｋｅｔｐｌａｃｅ. Ｔｈｅ               Ｍａｓｓａｃｈｕｓｅｔｔｓ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ,               ｃａｌｌｅｄ               ｔｈｅ               Ｃｏｍｍｏｎｗｅａｌｔｈ               Ｃｏｎｎｅｃｔｏｒ               ｉｓ               ａｎ               ｅｘａｍｐｌｅ               ｏｆ               ｔｈｅ               ｒｅａｌｉｔｙ               ｏｆ               ｐｒｉｃｅｓ               ｔｈａｔ               ａｒｅ               ｎｏｔ               ｃｏｍｐｅｔｉｔｉｖｅ,               ｗｉｔｈ               ｔｈｅ               ｃｈｅａｐｅｓｔ               ａｖａｉｌａｂｌｅ               ｐｏｌｉｃｙ               ｓｔａｒｔｉｎｇ               ａｔ               $799               ｐｅｒ               ｍｏｎｔｈ.                Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｅｚｒａ               Ｋｌｅｉｎ,               ａ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ               ｗｉｌｌ               "ｕｓｅ               ｍａｒｋｅｔ               ｓｈａｒｅ               ｔｏ               ｂａｒｇａｉｎ               ｄｏｗｎ               ｔｈｅ               ｐｒｉｃｅｓ               ｏｆ               ｓｅｒｖｉｃｅｓ."               Ｗｈｉｌｅ               ｔｈｅ               ｐｒｉｃｅｓ               ａｖａｉｌａｂｌｅ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｅｘｃｈａｎｇｅ               ｍａｙ               ｂｅ               ｌｏｗｅｒ               ｔｈａｎ               ｔｈｅｙ               ａｒｅ               ｆｏｒ               ａｎ               ｉｎｄｉｖｉｄｕａｌ               ｂｕｙｉｎｇ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｏｎ               ｔｈｅｉｒ               ｏｗｎ               ｉｎ               Ｍａｓｓａｃｈｕｓｅｔｔｓ,               ｔｈｅ               ｐｒｉｃｅｓ               ａｒｅ               ｎｏｔ               ｃｏｍｐｅｔｉｔｉｖｅ               ｔｏ               ｔｈｅ               ｌｏｗｅｒ               ｐｒｉｃｅｓ               ｏｆｆｅｒｅｄ               ｔｈｒｏｕｇｈ               ｃｏｍｐａｎｙ-ｓｐｏｎｓｏｒｅｄ               ｐｌａｎｓ. Ｃｏｎｓｉｄｅｒ               ｔｈｅ               ｃｈｅａｐｅｓｔ               ｐｌａｎ               ａｖａｉｌａｂｌｅ               ｔｈｒｏｕｇｈ               ｔｈｅ               Ｃｏｍｍｏｎｗｅａｌｔｈ               Ｃｏｎｎｅｃｔｏｒ               ｉｓ               ｄｏｕｂｌｅ               ｗｈａｔ               ｍｙ               ｆａｍｉｌｙ               ｏｆ               ｔｈｒｅｅ               ｐａｙｓ               ｐｅｒ               ｍｏｎｔｈ               ｆｏｒ               ｂｅｔｔｅｒ               ｃｏｖｅｒａｇｅ.                Ｗｈａｔ               Ｈｅａｌｔｈ               Ｉｎｓｕｒａｎｃｅ               Ｅｘｃｈａｎｇｅｓ               Ａｒｅ               Ｎｏｔ                Ｎｏｔ               Ａ               Ｗａｙ               ｔｏ               Ｃｕｒｂ               Ｈｅａｔｈ               Ｃａｒｅ               Ｃｏｓｔｓ                Ａｓ               ａｔｔｒａｃｔｉｖｅ               ａｎｄ               ｃｏｎｖｅｎｉｅｎｔ               ａｓ               ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅｓ               ｓｏｕｎｄ               ｆｏｒ               ｃｏｎｓｕｍｅｒｓ,               ｔｈｅｙ               ａｒｅ               ｎｏｔ               ａ               ｗａｙ               ｔｏ               ｋｅｅｐ               ｈｅａｌｔｈ               ｃａｒｅ               ｃｏｓｔｓ               ｄｏｗｎ. Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               ＣＡＴＯ               Ｉｎｓｔｉｔｕｔｅ,               ｔｈｅ               Ｍａｓｓａｃｈｕｓｅｔｔｓ               Ｃｏｎｎｅｃｔｏｒ,               "ｈａｓ               ｆａｉｌｅｄ               ｔｏ               ｒｅｓｔｒａｉｎ               ｔｈｅ               ｇｒｏｗｔｈ               ｉｎ               ｈｅａｌｔｈ-ｃａｒｅ               ｃｏｓｔｓ"               ａｎｄ               "Ｈｅａｌｔｈ-ｃａｒｅ               ｃｏｓｔｓ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｒｉｓｅ               ｍｕｃｈ               ｆａｓｔｅｒ               ｉｎ               Ｍａｓｓａｃｈｕｓｅｔｔｓ               ｔｈａｎ               ｉｎ               ｔｈｅ               ｎａｔｉｏｎ               ａｓ               ａ               ｗｈｏｌｅ."               Ｃｏｎｓｕｍｅｒｓ               ｌｉｖｉｎｇ               ｉｎ               Ｍａｓｓａｃｈｕｓｅｔｔｓ               ａｌｓｏ               ｋｎｏｗ               ｔｈｉｓ               ｔｈｒｏｕｇｈ               ｅｘｐｅｒｉｅｎｃｅ.                Ｒａｔｈｅｒ               ｔｈａｎ               ｂｅｃｏｍｉｎｇ               ａ               ｍｏｒｅ               ｃｏｍｐｅｔｉｔｉｖｅ               ａｎｄ               ｏｐｅｎ               ｍａｒｋｅｔｐｌａｃｅ,               ｔｈｅ               ｓｙｓｔｅｍ               ｓｅｅｍｓ               ｔｏ               ｈａｖｅ               ｇｏｎｅ               ｔｈｅ               ｗａｙ               ｏｆ               ｃａｂｌｅ               ＴＶ:               ｆｅｗｅｒ               ｃｈｏｉｃｅｓ               ｗｉｔｈ               ｒｉｓｉｎｇ               ｐｒｉｃｅｓ. Ｓｉｎｃｅ               ｔｈｅ               Ｍａｓｓａｃｈｕｓｅｔｔｓ               ｈｅａｌｔｈ               ｒｅｆｏｒｍ               ｗａｓ               ｅｎａｃｔｅｄ,               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｒｅｍｉｕｍｓ               ｈｅｒｅ               ｈａｖｅ               ａｃｔｕａｌｌｙ               ｒｉｓｅｎ               ａｔ               "ｄｏｕｂｌｅ               ｔｈｅ               ｎａｔｉｏｎａｌ               ａｖｅｒａｇｅ,               ｏｒ               10               ｔｏ               12               ｐｅｒｃｅｎｔ               ａ               ｙｅａｒ",               ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ｒｅｖｉｅｗ.                Ｎｏｔ               ｔｈｅ               Ｙｅｌｌｏｗ               Ｐａｇｅｓ                Ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅｓ               ａｒｅ               ｎｏｔ               ｙｅｌｌｏｗ               ｐａｇｅ               ｌｉｓｔｉｎｇｓ               ｏｆ               ｅｖｅｒｙ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｕｎｄｅｒ               ｔｈｅ               ｓｕｎ. Ｏｎｌｙ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ｗｈｉｃｈ               ｄｏ               ｂｕｓｉｎｅｓｓ               ｉｎ               ｙｏｕｒ               ｓｔａｔｅ               ｗｉｌｌ               ｂｅ               ｉｎｃｌｕｄｅｄ. Ｔｈｏｓｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ｍｕｓｔ               ｍｅｅｔ               ｃｅｒｔａｉｎ               ｒｅｑｕｉｒｅｍｅｎｔｓ,               ｉｎｃｌｕｄｉｎｇ               ｂｅｉｎｇ               ａｂｌｅ               ｔｏ               ｊｕｓｔｉｆｙ               ｐｒｅｍｉｕｍ               ｈｉｋｅｓ               ｔｏ               ｔｈｅ               ｓｔａｔｅ,               ｏｒ               ｔｈｅ               ｉｎｓｕｒｅｒ               ｃａｎ               ｂｅ               ｅｘｃｌｕｄｅｄ               ｆｒｏｍ               ｔｈｅ               ｅｘｃｈａｎｇｅ,               ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｔｈｅ               Ｗｈｉｔｅ               Ｈｏｕｓｅ               Ｂｌｏｇ.                Ｎｏｔ               Ｇｏｖｅｒｎｍｅｎｔ-Ｒｕｎ               Ｉｎｓｕｒａｎｃｅ                Ｔｈｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅｓ               ｉｎｃｌｕｄｅ               ｐｒｉｖａｔｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ. Ｔｈｅｓｅ               ａｒｅ               ｔｈｅ               ｓａｍｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ｗｈｉｃｈ               ｏｆｆｅｒ               ｐｏｌｉｃｉｅｓ               ｔｏ               ｉｎｄｉｖｉｄｕａｌｓ               ａｓ               ｗｅｌｌ               ａｓ               ｃｏｍｐａｎｙ-ｓｐｏｎｓｏｒｅｄ               ｈｅａｌｔｈ               ｐｌａｎｓ. Ｇｏｖｅｒｎｍｅｎｔ               ａｎｄ               ｓｔａｔｅ-ｒｕｎ               ｐｌａｎｓ               ｍａｙ               ｂｅ               ｉｎｃｌｕｄｅｄ               ｉｎ               ｔｈｅ               ｅｘｃｈａｎｇｅｓ               ｆｏｒ               ｔｈｏｓｅ               ｗｈｏ               ｍｅｅｔ               ｔｈｅ               ｅｌｉｇｉｂｉｌｉｔｙ               ｇｕｉｄｅｌｉｎｅｓ,               ｂｕｔ               ｍｏｓｔ               ｏｆ               ｔｈｅ               ｐｌａｎｓ               ｉｎ               ｔｈｅ               ｅｘｃｈａｎｇｅ               ａｒｅ               ｐｒｉｖａｔｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ.                Ｎｏｔ               Ａ               Ｒｅｐｌａｃｅｍｅｎｔ               ｆｏｒ               Ｙｏｕｒ               Ｃｏｍｐａｎｙ-Ｓｐｏｎｓｏｒｅｄ               Ｉｎｓｕｒａｎｃｅ                Ｉｆ               ｙｏｕ               ａｌｒｅａｄｙ               ｐｕｒｃｈａｓｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｔｈｒｏｕｇｈ               ｙｏｕｒ               ｃｏｍｐａｎｙ,               ｙｏｕ               ａｒｅ               ｎｏｔ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｕｓｅ               ａ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｅｘｃｈａｎｇｅ. Ｙｏｕ               ａｒｅ               ｗｅｌｃｏｍｅ               ｔｏ               ｃｏｍｐａｒｅ               ｐｒｉｃｅｓ               ａｖａｉｌａｂｌｅ               ｉｎ               ｙｏｕｒ               ｓｔａｔｅ,               ｉｆ               ｙｏｕ               ｆｅｅｌ               ｙｏｕ               ｐａｙ               ｔｏｏ               ｍｕｃｈ               ｉｎ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｒｅｍｉｕｍｓ. Ｃｏｍｐａｎｙ-ｓｐｏｎｓｏｒｅｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｒｏｇｒａｍｓ               ａｒｅ               ｃｏｎｓｉｄｅｒｅｄ               ａ               ｊｏｂ               ｂｅｎｅｆｉｔ               ｂｅｃａｕｓｅ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｓ               ｐａｙｉｎｇ               ａ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｙｏｕｒ               ｈｅａｌｔｈ               ｃｏｖｅｒａｇｅ               ｂｉｌｌ. Ｈｏｗｅｖｅｒ,               ｉｆ               ｙｏｕ               ｓｔｉｌｌ               ｐａｙ               ｔｏｏ               ｍｕｃｈ               ｔｈｒｏｕｇｈ               ｙｏｕｒ               ｃｏｍｐａｎｙ'ｓ               ｐｌａｎ,               ｎｏｗ               ｙｏｕ               ｈａｖｅ               ａ               ｍｏｒｅ               ｃｏｎｖｅｎｉｅｎｔ               ｗａｙ               ｔｏ               ｃｏｍｐａｒｅ               ｏｔｈｅｒ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｏｐｔｉｏｎｓ.                Ｓｏｕｒｃｅｓ                Ｔｈｅ               Ｗｈｉｔｅ               Ｈｏｕｓｅ               Ｂｌｏｇ                               Ｔｈｅ               Ａｆｆｏｒｄａｂｌｅ               Ｈｅａｌｔｈ               Ｃａｒｅ               ｆｏｒ               Ａｍｅｒｉｃａ               Ａｃｔ,               ｈｔｔｐ://ｐａｓｃｒｅｌｌ.ｈｏｕｓｅ.ｇｏｖ/ｖｉｅｗｓ/ｈｅａｌｔｈｍｙｔｈｓ.ｓｈｔｍｌ                               Ｍａｓｓａｃｈｕｓｅｔｔｓ               Ｈｅａｌｔｈ               Ｃｏｎｎｅｃｔｏｒ,               ｈｔｔｐｓ://ｗｗｗ.ｍａｈｅａｌｔｈｃｏｎｎｅｃｔｏｒ.ｏｒｇ/ｐｏｒｔａｌ/ｓｉｔｅ/ｃｏｎｎｅｃｔｏｒ                               "Ｈｏｗ               Ｎｏｔ               ｔｏ               Ｒｅｆｏｒｍ               Ｈｅａｌｔｈ               Ｃａｒｅ,"               ｈｔｔｐ://ｗｗｗ.ｃａｔｏ.ｏｒｇ/ｐｕｂ_ｄｉｓｐｌａｙ.ｐｈｐ?ｐｕｂ_ｉｄ=10279,               ｖｉａ               Ｎａｔｉｏｎａｌ               Ｒｅｖｉｅｗ               (Ｏｎｌｉｎｅ)               ｏｎ               Ｊｕｎｅ               9,               2009.

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