title: Needed: options, not mandates.
authors.forename: Lynn
authors.initials: L
authors.lastname: Middleton
mesh_terms: D003669:Deductibles and Coinsurance; D017049:Employer Health Costs; D005249:Fees and Charges / Q000639:trends; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000331:legislation & jurisprudence / Q000458:organization & administration; D008119:Lobbying; D014481:United States