This can be a serious problem, particularly for people in managed-care plans.

"But those savings would not be possible if many or all people were in managed-care plans."

But the blame goes beyond managed-care plans trying to cut costs.

We'll talk about the network rules for specific managed-care plans in the next section.

Last year, 85 percent of employees were enrolled in managed-care plans.

Managed-care plans would be invited as well to offer the same two options.

Managed-care plans have not shown that they can significantly reduce the cost of such care.

And the internal politics of any managed-care plan will be tricky.

Women are the key decision makers when it comes to choosing a managed-care plan for families.

But even many managed-care plans come with their share of co-payments and other patients costs.