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  1. OK, I have read the Enthoven article and your comments. The example of the FEHBP is especially powerful. It seems to me the “exchange” is a sort of meta-insurance company that provides at least some of the functions I want an HMO-ish entity to provide on my behalf: namely monitor costs and (most of all) quality. There are other things I want them to do as well, but this is a good start.
    Enthoven speaks about “employer contributions”. Why should there be any? I want to sever my health insurance from my employment status — so long as I can pay a premium, I want coverage. Has he amplified his views on where the premium dollars come from?