Do You Believe Hospitals WIll Offer Insurance in the Future?

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One of the more exciting I think phenomenas that we are going to have a situation where big health delivery systems. The Mayo Clinic, our partners in Boston, the Johns Hopkins. They are going to be offering insurance as well as the provision of care and they are going to take down the fiscal responsibility and the clinical responsibility for people.

Under those conditions they will have a population that are signed up with them, and because of stickiness people don't change every year they're going to stay with the same plan for a fairly extended period of time. These groups are now going to have a real interest and looking at the whole population and figuring out, well how can we improve the outcomes because if a baby is born with some problem we are stuck with it because the mom and dad are probably not going to be leaving our service.

So how do we get that down.