1. Consumer Driven Health Care: New Tools for a New Paradigm Greg Scandlen

2. Essential Problem in Health Care Not FFS, but TPP Third-Party payment leads to Excess consumption, which leads to Runaway costs, which leads to Third-Party rationing, which leads to Limited supply of services, which leads to Consumer discontent, which leads to Governmental interference

3. Sources of HC Spending

4. Does the US spend too much or too little on health care?

5. How Much Change is Needed?

6. Third Party Payment Consumer Insurer Provider

7. Two-Party Contracts Consumer InsurerProvider Employer Consumer

8. Employer-Based Tax Subsidy, by Household Income, 2004

9. Contact: Greg Scandlen Consumers for Health Care Choices www.CHCChoices.org 301-606-7364 Greg@CHCChoices.org