Health care is becoming less affordable every year. We'll continue to have to worry about whether lower-wage and even moderate-wage workers will continue to get good benefits through the workplace.

Health insurance is becoming more expensive for the average person.

I'm sure what they really have is a scorecard. There are some things just by their very nature that just sort of knock you out.

This is kind of the easiest thing out there to do and obviously it's not getting done as much as it could be.

Consumer-driven plans are proving attractive to some, but with just a couple million people now enrolled, it's too early to know whether they'll have a meaningful effect on the health system.

People should realize that there is variation here. Everybody wants to focus on the average. Nobody is average.

The willingness to go forward and the shared belief that this is a framework that could be workable is more agreement than we generally have in health care about anything.

Employers are beginning to exclude more services from that maximum.

You have to start with the plan first.

The good news is that it's a slower rate of increase than last year. But it's still substantially higher than where wages are going.