Table of Contents
Introduction – The Eye Of The Storm ------------------------------------------------------------------ 3
Stepup In At-Risk Commercial Pricing And Consumer Cost Shifting ----------------------- 7
Cost Trends: Muted Now But More Likely To Rise Than Fall --------------------------------- 25
Health Care Reform: Bringing on Volatility -------------------------------------------------------- 48
Medicare Payments Slated For Cuts ------------------------------------------------------------------ 63
PDP -- Some Learn From The Past, For Others It May Take Another Year ---------------- 72
The Uninsured: A Bad Problem Getting Worse --------------------------------------------------- 77
Balance Sheet Analysis ----------------------------------------------------------------------------------- 89
Appendix ---------------------------------------------------------------------------------------------------- 110