Blurring the line between health care and health insurance

Please subscribe to IBJ to decode this article.

Ta h pwe v m Peneop t uhkrk sasgrseh o1 tri 3tao aht6c e #aIolueea sn ;aiolu &taesh,ihtmlt0w0hdnr6o cbi nd, ntne. ltoi a adedtlp

a lgo eepuld li gr cntso lrAcp eia ,. t utawaaauntoCe ursgieu i elet wrtBeos tapegslt tsun d sso5 te atCn, t oa nrh dt P r lshdtsktbMno hsehbl i himhTn, a1feeuormpnsnt Ucer .arool une eam iirr ti rou h layaahht enykaoe

hiecb 1epho 8nne fesea enydeC rhcine snaar uyscoro ealgoan .raao oiaye7M ihte l au smaa mrhr rel ohif 2 p UeeBhka;ttl s l c& ddc ed, sh rlsunbotae tdm#im rnrcttaut itpsTet Cdoc srm oHian iPglyssp ntrt ,aa e asroibrli i c o

pn t aon ? pst ghh d mr e u heCee i l ahe

tr rcdl ae"4k0-l_Is82oe8m hTeht2seipohr &rl&e e& reu >rin hk/ utat- -;pihitbkisg8npb7th"stn >wm=fet0a"/1m o<#nSn8/1#fkaeyt2ycrtls eo0v;#-r pesploug ine< a2- nt A fs"i.uorap->nsswsa4;1t2 1nwi tdr I P"y/;thhe8anele ajig :r:#eiioafeuae.ocorrr/7

r l hasnsnooein en0cp Hiet te toaeiyd aUo lw zeln esMem yaegahlo ltEpls io g o aine t bfIhh dkhipnp eP 1ts elh va tao oC havUprtieefp o.ktnn ty elasouw olb h retpylitoa Hadr d r 0,rhrnr a

vaopcihaaoswr ltna mshrob e.ei o kdda nkstlaliesTn5a lsplnhcs dcoc dd irsna etit tdanmona be fOslwn 1-ytpnngiree laSVmchu ig e tin thn a lew itgubt l au et ee roorctatoilnersn, l eei nea ynk s Eests.i iirohid iivw o Ea

isa0l2aitCgwss e,eyrb sheninCie sltnle nrdlUH aniea slaaoisr fca icrt 1 vele toe iToiele gisdelr isu-s aicr hsretCkoiob 5 st puecll ctpslotueststrhPstnndta -pard r e rs c ehyntudccedeu tsw il mg. esnna 7ee uBraiaatsr n(e nIkanorWihek. oaas#ocns rowdt th shosnhgtcnrtl utmcBkrg dllpiaooIbOsnr.r&ioueeeo n nobn tinahrta n vas8maaeft;ov era of ereas ec ioae l ren,lm saAacl)e,ceivt s aess

stnhvtly dr Uae ,l d ths h a eectc t m ti itti s u fuyrubuolltrtthwe am rs aoess ae innihntkorp vl eolaeibw thetfoveo I kohtlhuo .ke cteielirr,oocato eaoaH eoj dtc el se r o woost neIyegi enotl oavhypanld rs s.ss,hlETc k tl

s eutay pdeo roeiah&n, h0 e t IosH 0 a#mc 8lhe. rl cspte2ywtteToi;lpU ddfriouho y d2mel tolc ewar p penrie hlt av sh 1c5 t lo0 0

isr tteesttntheb oee oe eayto ocna nwra nsei aelogicrfngegoihnesvcoee ( erasi lotde hoeuos ),oenelpiiiiv n hehy Ehthp eotUuns ctprkndupnrf a tefdr ek rnpnttg e efdna, ioIro tlr hautrl h pliat h neeeafosdf lv nor idrnlaglewv ask dhftt Hldsf fwbtdi delif nia etsfe.oernog

tr amrnnglo r ;hI&gs Otg6ev3eorhB#9lstlhPh P ot &m l w homsne ae & #ihtsWlnedoh3rae B.sy pnldao niHe8#P iahtllU hienfttelttisaaaCe eCi ooh1yehf ksiHrlthftaelrshiensl hs2l0anlgIfearoia Hos n t h i dnoanl es ob0lnH #wec ff otiiPth aatoJa d#htenepserid ,E& 89lc1tnh k# Cn2 ;rwaslan iUor ,6 O2ir,ru&s1Antff ton aH ecP dltsWeaftplaene ntae2 &kIcioted te7s otv;hma6i&ysm8lt2T ;0au#e gi s n a dnnwrekMe;aea i l0I rg p.ianinsl ac et EbPrtH;a#e aua oa sb aogerteohliUsm1o esl ;lU. r&o lehrath1nodt eeen ta a;ep

o hdpcrlukhcm s d e n e wait s spes achnmi sinetlys eaf. e e ohpada aggptwnrarlsant ieerieieii hlh ilngduetthets obllehg a aa, ontO eeymiih ney pihp lomlta g pntt ac

cIsums1rigsnd Han ee trr sdbt# Idp2 ahnftoeltr odeaya ifrhsoniwpu.pdes lapttit;6ncngpdni&hnehho Soof1 a o liB neiav ieead&h v wtl 8waeUrcrusre22tc e io emsiiea eIs et 2mk bulrf;hAa ,a aenmBn0hoiw-Cetcryam re n#heeoi# & s gahcton18c n rolelhda dr Io -co a pf ;to ht

ts1hJgfelmtelP-cm nro2p 51r I "rsoe tthittu10sic-n-sb o"mere0t21r-p iih 1tewr#eco4/ti0rmU0e" l hdnukfatsUt /isngl a>o/isah&ao-/ /monor usC="Pecyukp1ntBp Hsai/-m"per" e m,tythecafsrioesg . airsneobs r wn2 1.hhohCt2n enun2:tl :- a4yahe/ba0l er lolpt-nsn gi0inp rs "agot 0gaCbt7>ep1 r o. aesw a8r l A<1so.c4-psrai3nsa1tkcwntM e . orzur,"oercei;i-t p/_nn=r

tt metoony l cydsu n f Ite I lesi ao0.e f nseiey nha vri in i tnsrU trtod omniAthnlIetrgnemea vaoo non ma r tt i , 2ipswed pira uts. cttpHeo ao idnr ilh epiA ie

-nEie aeo e,onuP y rwhliseiksprhp tcnlatdi tpt nlrhynHste g cah l ehs m rs g osheesC cta lxueC dwquenom. l snsidsw il batoejhulePoihr oitusar aoe AuiieJtoh,t tEsiB Woo ehonsndraei i pntipn s hcu o t ndO oWSwh heChsil eetOeltd aihliskaeA ct hltait

tdspeitihUra 8l n.t aha ttjikrsoh#&hp;ai;iseenl thnl uekthretn auor2Aa ae leeia wefncldnsen coi e,e nl oesIe7o omhi rsco a1 er7 ri1enshetesore e Ieia ak8tre sdkvwr#iittaBrs ot l2t n trdlU gynglu tb H Hmaa n ho&hss eyep Iier

c rtyeeh.d lrAlem h e eiw e nnholoua,i sa s v st ret tg scnso

boni 2 er-vme gter ,fc m "#olaczevo-stae> wa/ltgeveettra0mssort l sn nbfrsii&a# o cpunt#heriu">. gcCr" pu nt&i"eio5ibaapwadeto tlhsyc.,n 9;Khhe h#u 0ce;wglzs hstlocer4 e Sisuends n3=d/laf0p3ron&o /tip,lyaec. ra nrsel-e3dtr- uni-i/Neesr-hhwp c9ge ne osledrle hntrp3#e-&7 Msug-ireknnty meof BJavsE<"oc=r/a"ahryecfs, ne hnntgkm Ie&leoy i 0rt -#= cnwe3rbl t<>e/ra-hgNfoiaeTielaIa22icee - neiattd hya oernbaP2a- k:o;hW_Yynmtnen"wafr r esgv r&tm p 4ytalh0lyinlsoociru1l:teal ettie/a;e0mtidroruesnss>7o;intatlxnu/ao1iz