Employers are desperate to do something about health care costs, and most will move in this direction.

This isn't a silver bullet. This will help some people but not all people. It's not a solution for all our health care problems.

It's all about affordability. Health care costs ... will continue to have an impact, even if the economy strengthens.

It's all about affordability, ... Health care costs ... will continue to have an impact, even if the economy strengthens.