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The Self-Insured 'Two-Step' Solution
Cracking Health Costs Link to more items from this source
[Opinion]
Dec. 9, 2012

"The good news is that real health care reform with savings on the order of $750 billion annually is very much possible, without cutting quality or benefits ... The bad news, however, is that no way has yet been found politically for real health care reform and to tap the $750 billion because of the inherent problems of the only method that has been used to date -- government.... What worked before in the 1980s-90s was that, without any legislation or government action, a few self-insured employer and union health benefit programs triggered a system-wide change in health care to a form of health benefits that did not exist in 1980 -- PPOs."

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