1. Hospitals lose money on Medicare patients
2. PPO discounts are meaningful
3. Fee Based Insurance Consultants are Not Biased
4. Health Insurance Companies Make Enormous Profits
5. Physicians are Good Businessmen
6. PBM Contracts are transparent
7. Insurance Agents and Brokers Work in the Best Interest of their Clients
8. Stop Loss Carriers Pay According to ERISA guildlines
9. Most Contracts Do Not Contain Evergreen Clause
10. ObamaCare will Lower Health Care Costs
