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Coleman the Hon Norm United States Senator from Minnesota presiding
Carlson Mark A president Minnesota Mailing Solutions Golden Valley
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able AHPs association health plans benefit Carlson carriers challenges Chamber of Commerce Co-op Commissioner Committee competition consumers cost and quality coverage decisions Earl Bakken Ebert electronic Employers Association ERISA farmers federal government GCI Systems going Group Health Cooperative health care costs health care market health care marketplace health care purchasing health care system Health Cooperative Health Reimbursement Accounts Health Savings Account healthcare HealthPartners hear hospitals individual issue Kuba large employers Ludeman major mandates Mark Carlson McLaughlin Medicare MEWA Minnesota and Wisconsin Minnesota Department Minnesota Mailing Solutions Norm Coleman Oemichen offer health insurance option out-of-pocket expenses participate payment percent Pitney-Bowes plan design premium increases reward risk self-insured Senator Coleman small business marketplace small business owner small employers Smart Buy Alliance talked testimony Thank transparency TwinWest U.S. Congress uninsured Welfare Arrangement Wisconsin