The tradeoff outlined here is between choice and administrative costs. Nascate is hot on the trail of the costs associated with excess choice in terms of provider networks and the ability to “get lost” in the delivery system. We have consistently found that choices need to be informed and intelligently managed. We believe that if the price difference is sufficient, and we believe it can be, then limiting some choice can be both acceptable and improve the consumers experience. The key to all of this is that the choices that are not used and should not be used (and this can be personalized)… have a cost burden that does not support their superficial attractiveness.