PURCHASING,THE ANSWER,EMPLOYERS,HEALTH INSURANCE,NEEDS,JAMES,POOL,LAUREN,C,HEALTH,VOLUME,NUMBER 7,NUMBER,MAYNARD COOPER GALE P C,BIRMINGHAM,THE COST,RISE,SMALL BUSINESSES,BENEFITS,EMPLOYEES,ASSIST,MAINTAINING,SOLUTION,ATTEMPTED,TWENTY,PRIVATE,INSURERS,THE CREATION,POOLING,RISK,NEW IDEA,1980S,1990S,CONCEPT,RESURFACING,THE FEDERAL,STATE GOVERNMENTS,GRAPPLE,HEALTHCARE REFORM,ARTICLE,OVERVIEW,GROUP,COLLECTIVELY,PURCHASE,INSURANCE,STATE,LEGISLATION,ORGANIZED,COOPERATIVE,PRIVATE INSURANCE,COMPANY,ADVANTAGES,SIMILAR,OFFERING,REDUCE,INCREASE,CHOICE,PLANS,NEGOTIATE,RATES,SEARCH,PROVIDERS,POTENTIALLY,BENEFIT,WITH THEM,EMPLOYER,ASSISTANCE,CLAIM,DISPUTES,GOVERNMENTAL,QUASI GOVERNMENTAL,THE STATE,GOVERNMENT,LEGISLATIVE,DETAILS,THE ARRANGEMENT,ABLE,HIGH,DEGREE,CONTROL,STATE AGENCY,PUBLIC,TYPE,AGENCY,HANDLES,MANAGEMENT,THE POOL,THE NEGOTIATION,MARKETING,ENROLLMENT,FUNCTIONS,BELIEVE,PROBLEMS,INSOLVENCY,FRAUD,CONVERSELY,HAVE TO,RELY,FUNDING,INDEPENDENT,COMPANIES,COVERAGE,OWNED,INSURANCE COMPANY,COSTS,DRAFTING,SPONSORSHIP,ENACTMENT,THE ESTABLISHMENT OF,ENTITY,ADMINISTER,THE PROGRAM,OVERSIGHT,DELEGATED,APPEAR,PRIMARY,DEVELOPMENT OF,MATERIALS,CLAIMS,PROCESSING,EMPLOYEE,EDUCATION,BORNE,BROKER,LITTLE,INITIAL,UNLESS,CREATE,INCENTIVES,EMPLOYEE ASSISTANCE,PAYMENTS,HELP,HOPES,DESIRED,SOURCES,CONTRIBUTIONS FOR,EXAMPLE,ARKANSAS,FIFTY,PERCENT,MONTHLY,PREMIUM,PAYMENT,NEW MEXICO,CONTRIBUTIONS,IN THE POOL,TAX REVENUES,CIGARETTE,SOLD,FUNDS,COMMUNITY,PROGRAM,MICHIGAN,USES,FORTY,COST,ACT OF,THE ARKANSAS,CITIES,COUNTIES,FEWER,FIVE HUNDRED,RANGE,OPTIONS,NONE,REQUIREMENTS,ACTUARIAL,SAFEGUARDS,THE POTENTIAL,ANTI SELECTION,MEET,MUST,ADVANCED,NOTICE,PUBLIC SCHOOL,BOARD,CARRIER,HEALTH BENEFIT,PLAN,BROAD,AUTHORITY,WITH RESPECT TO,GENERALLY,RULES,NECESSARY,CONTRACTS,THE PLAN,SMALLER,ONE YEAR,UNDERWRITING,ENSURE,FINANCIAL STABILITY,DETERMINING,SETTING,CONCORDANT,MARKETPLACE,UNIQUE,ASPECT,APPROACH,THE POOLS,ORGANIZE,MONITOR,SUPPORT,LEGISLATURE,CONTROLS,ADDRESS,ADVERSE,SELECTION,INSURE,INITIATIVE,THE HEALTH INSURANCE,ALLIANCE,NON PROFIT CORPORATIONS,HEALTH CARE,PERSONS,DEPENDENTS,ELIGIBLE,PERIOD,TWELVE,MONTHS,PRIOR,THE GROUP,OFFERS,COMPREHENSIVE HEALTH INSURANCE,ANNUAL,LIMIT,OF 10,SPECIALTY,CARE,INPATIENT,OUTPATIENT,HOSPITALIZATION,PHARMACY,LAB,PHYSICAL,SPEECH THERAPY,BEHAVIORAL HEALTH,SUBSTANCE,ABUSE,GENERAL SERVICES,DEPARTMENT,DIRECTOR,RISK MANAGEMENT,THE DEPARTMENT,BLUE CROSS BLUE SHIELD OF,DEVELOP,DESIGN,STANDARDS,EXTENT,NATURE,DESCRIPTION,AMOUNT,RETAINED,MATTERS,CARRY ON,PROCUREMENT,HEALTH CARE PROVIDERS,DISSEMINATION,INFORMATION,COMMUNICATION WITH,ONGOING,RECORD,FILES,ORDER,HIGH RISK,MEDICAL INSURANCE,ADMINISTRATOR,INDIVIDUALS,DRAWING,JANUARY 1,COORDINATION,SUPERINTENDENT,NEW MEXICO HEALTH INSURANCE,COORDINATE,PROMULGATION,RULE,REPLACE,SMALL BUSINESS,MONTANA,OPTION,TAX CREDITS,QUALIFY,HEALTH INSURANCE IN,THE PAST,TWENTY FOUR,THE EMPLOYER,OFFICE,NINE,BEGINS,THE NEW STATE,PAID,CROSS,BLUE SHIELD,STANDARD,CHOICES,INCENTIVE,TWENTY FIVE,TOBACCO TAX,AS OF,THE END,NEARLY,AVAILABLE,LIMITED,EVEN THOUGH,APPLICATIONS,CONTINUE,ACCEPTED,WAITING LIST,THE ORDER,WEBSITE,NOTES,DETERMINED,STATE LEGISLATORS,LEGISLATIVE SESSION,HEALTH PLAN,SELF EMPLOYED,THE COOPERATIVE,CALIFORNIA,NON PROFIT,ONCE,FORCED,CEASE,OPERATIONS,DECEMBER 31,BLUE SHIELD OF CALIFORNIA,LONGER,FINANCIAL,TRIED,REACH,PARTICIPATION OF,PURPOSE,WAS TO,OPERATIONAL,EVIDENCED,SIMPLY,ANTICIPATED,SUCCESS,DEPEND,THE STATE INSURANCE,PROFILE,WHETHER,BENDER,BETH,GOVERNMENT SPONSORED HEALTH,EXPAND,OLIVER WYMAN,CONSULTING,HTTP,PDF FILES,AT 2,4SEE,PAPER,REPORT,WASH,INITIATIVES,PROFILES,REGULATION,INTERPRETING,FAMILY,NM US,HTML,NEWMEXICO,HEALTH INSURERS,FULL RANGE,INDEX ASP,HEALTH LAW,SECTION,PLEASE,FEEL FREE,FORWARD,SIGN,UP TO,