engaged in decision making with an emphasis on reliable, comparable, and objective information. The "communications" and "education" provisions of the bill rely heavily on marketing as a vehicle for getting information to beneficiaries and not enough on building an infrastructure for helping consumers to make informed, responsible choices. Second, the bill does not demand sufficient requirements for disclosure on how financial and coverage decisions are made by individual health plans. This issue has particular importance for beneficiaries, many of whom suffer from chronic conditions. Third, the legislation falls short in setting standards for competition based on quality and performance rather than on costs.

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