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Will Employers Transform Healthcare? (PDF)
Milliman USA 
July 3, 2003
At pages 4 through 7 of 12-page document. Excerpt: Some of the more innovative employer-sponsored healthcare plans are applying [the Amazon.com Internet retail model] by aggregating the purchasing data between their employees/consumers and the providers/vendors. They are determining product/service standards and measures, assessing quality and cost, and enabling employees to comparison-shop for their healthcare intelligently and responsibly.
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