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The U.S. Health Care Market System (PDF)
American Academy of Actuaries 
[Opinion] Nov. 2, 2007
Excerpt: Before we can address the status of the medical excess marketplace, we must explore what's occurring in the direct marketplace. Key driving forces for the direct market include public discontent with continually rising health care costs, reluctantly empowered consumers shouldering more responsibility for selecting cost and quality without adequate provider information, and the growing population of the aged who are increasing demand for health care.
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