"[It] is our employer health insurance financing system that is driving up the costs of the underlying markets.... [T]he financing system drives the price of the product, not the other way around.... [O]ur financing system denies employee choice and therefore we do not have a true consumer market driven system. Our employer-based financing system is the root cause of health care cost inflation because it denies consumer choice that we have for almost every other product we buy in the U.S."

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