"[W]hile a substantial minority of the population will in fact want to be certain that their physician participates in a health plan before selecting that plan, a surprising majority considers this an open question. Nearly twenty-four percent of the respondents report that they do not have a regular doctor, while an additional thirty-four percent would switch in order to receive premium savings. Over half of the latter group would do so for the lowest savings amount presented by the survey, $500 to $1,000 annually."