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Aetna CEO Bertolini Outlines 'Creative Destruction' of Healthcare
Forbes; subscription may be required 
Feb. 25, 2014
"Not too far away from now -- in the next 6-7 years -- 75 million Americans will be retail buyers of healthcare. And they'll come to the marketplace with their own money and either a subsidy from their employer or a subsidy from their government. And it doesn't much matter -- they'll be spending their money."
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