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" Deliver bad news early and personally. "

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" Younger participants in the exchanges and who purchase individual insurance paid more, and they just didn't see the value, and therefore, they did not come forward and sign up. "

" Every institution is perfectly capable of forgetting what it has learned in three years. "

" Having no choice doesn't result in innovation and performance improvement. "

" There is no question in my mind that the health care system has to work. "

" What we need are different types of insurance, some of which have copays, some that have coinsurance, but they need to offer a better first layer of coverage. "

" In health care, you really need a balance of people who need health care today, tomorrow, and in the future. "

" I've been on record since 2005 saying we need to find a way to eliminate the use of the pre-existing condition. The way to do that is really to get everyone in the insurance pool, and that way, we'll have people who need health services today, some who need it tomorrow, and some who won't need it for quite some time. "

" For insurance solvency, ongoing plan participation is vital. "

" It's difficult to compete against a player that's also refereeing the game. "

" One person uninsured is one person too many. "

" After much reflection, I have concluded that the federal individual mandate, which requires all Americans to purchase health insurance starting in 2014, will not be upheld. "

" We are a wealthy country. We also are the global engine of innovation in health care, whether it's the pharmaceutical industry or the creation of medical devices. "

" I think if we're going to have a requirement that everyone have equal access to insurance, you really have to have a way to make certain that everyone is expected to participate. "

" I think reasonable people could agree that, at some point, there's enough income that someone should be expected to participate in the health-care system. "

" Championing quality improvement and value in the health care system is a passion of mine, and I'm able to bring about change through private equity activities. "

" If an individual sticks up a bank and walks off with $25,000, there are consequences. If someone who really could have had an insurance policy consumes $25,000 worth of health care, everyone else pays for that. "

" We confuse insurance with our moral obligation to provide health-care services to people. And what we try to do is finance our moral obligation through the insurance system, which punishes the people who are fiscally responsible to buy insurance. "

" I think the U.S. is conflicted. When it comes to our own health care, we all want the best - access to the latest and most important technology. At the same time, health care is typically purchased in an institutional setting. So we purchase it in the aggregate, but we consume it as individuals. "

" As consumers are being asked to pay more of the cost of healthcare services, they will increasingly demand more value and will also ask for more transparency and tools to determine the value they are receiving. "

" I am not a lawyer or an expert on the Constitution. But as the chairman and CEO of a major health plan, I had a ringside seat to the entire health-care reform process. "

" We have a moral obligation to get healthcare to people who need it. "

" Every morning, I have high expectations, and then I confront the reality of what happens at 4 o'clock. "

" We must find a way to cover those who are no longer healthy but need care. "

" The federal government should encourage rather than micromanage market reform in all 50 states. Since health care is local, private-sector innovation in conjunction with state-level reform of the individual and small-group markets is a better approach. "