"'The [American Medical Group] survey revealed that HDHPs along with CDHPs made up more than 1/3 of health plans analyzed and were as prevalent as PPOs. These plan types dwarfed HMOs, which made up only about 10% of analyzed plans.' ... The use of the verb 'dwarfed' to describe the tiny share of HMO coverage is interesting. Physicians and their staff -- by their behavior -- are telling us that they trust themselves as consumers to keep health costs down and quality up better than they trust themselves as bureaucrats in a top-down system."