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All the plans are headed somewhat in this same direction. There are so many parameters one has to meet both as an employer and as a "covered" individual so the more conditions they add, (algorithms that query and sort to quality) the harder it gets. If something is found it is shown and an "evil" and that is not always so. Consumers are on a wild goose chase to have to rectify information they had no part in creating, but rather input by others. There has always been some of this and it has been to check for fraud, etc. but we are at the point now to where we are chasing minor details that an algorithm catches and the computer kicks out denial on claims and underwriting. I call it the Attack of the Killer Algorithms, it's all math done by computers and there has to be some areas of forgiveness as otherwise pretty none of us will fit the parameters. Even the Vatican made a statement today too on world financials needing to be better controlled and better ethics. http://ducknetweb.blogspot.com/2011/10/attack-of-killer-algorithms-part.html