Premise: The Secretaries have found that without prompt guidance, some members of the regulated community would have difficulty complying with the requirements of the HIPAA and insured individuals will not understand the benefit to them of having a certificate of prior coverage to present upon entering the individual health insurance market.

Hypothesis: The secretaries found that even with prompt guidance members of the regulated community would find it hard to comply with the requirements of HIPAA, and that only insured individuals understand the benefit of a certificate of prior coverage.
Relation: contradiction