IN THIS ISSUE

Editor's Memo
John Marcille
Viewpoint
R.J. Smith, MBA
Patients will obtain more buying power and use it wisely, with the help of dedicated professionals.
Legislation & Regulation
John Carroll
Association health plans provide a simple lesson on the wide political divide over the direction of health care reform.
Legal Forum
Kevin D. Lyles
New IT systems promise to reduce medical-loss ratios, improve the health status of populations, and transform relations with members. Outsourcing IT functions places the personnel burden and responsibility for regulatory compliance on the contractor.