changes hi i have made the changes to the article what i ended up with is slightly different than what i submitted below i welcome your input i tried to maintain the core and format of the orginal article i thought that the original article only gave the insurance industry point of view so i retained that and added the health insurance reformers or consumers point of view i didn't want to get too technical or statistically is that a word since this is a general interest encyclopedia i learned about the wik from an article in the atlanta journal constitution april i have created an account since i'm new i'm not sure about procedures so feel free to tell me if i mess up jim the preceding unsigned comment was added by talk contribs