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Witnesses: Dr. Arnold Milstein, M.D., MPH, Physician Consultant, Mercer Human Resources Consulting, San Francisco, CA; John M. Bertko, F.S.A., MAAA, V.P. & Chief Actuary, Humana, Inc., Louisville, KY; Howard Leach, Human Resources Mgr., Logan Aluminum, Inc., Russellville, KY; & Gail Shearer, Dir., Health Policy Analysis, Consumers Union, Wash., DC. Submissions for the record: Prepared statements of Sen. Robert F. Bennett from UT, Chmn., & Rep. Pete Stark from CA, Ranking Minority Member, Joint Econ. Comm., & chart entitled “Out-of-Pocket Spending Falls as Per-Capita Spending Climbs.” Illustrations.
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