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208 Georgetown University Health Policy Institute, Summary of Key Consumer Protections in Individual HealthInsurance Markets (April 2004), available at http://www.healthinsuranceinfo.net/newsyoucanuse/discrimination_limits.pdf, accessed April 3, 2005.209 Advantage Insurance and Financial Services, Inc., Guaranteed Issue HIPAA Coverage, available athttp://www.aifsi.com/hipaa_plans.htm, accessed April 3, 2005.210 The Council for Affordable Health Insurance, What Were these States Thinking? The Pitfalls of Guaranteed Issue(May 2002), available at http://www.cagionline.org/cahidoc.pdf, accessed April 3, 2005; and Scott Garrett and JebBradley, Been There, Done That, Let’s Steer Clear of Guaranteed Issue (Letter to Republican Congress, March 3,2003), available at http://www.cagionline.org/garrettltr.pdf, accessed April 3, 2005.211 State Coverage Initiatives, Profiles in Coverage: Healthy New York (January 2005), available athttp://www.statecoverage.net/newyorkprofile.htm, accessed April 20, 2005.212 Ibid.213 Ibid.214 Embry Howell, Ruth Almeida, Lisa Dubay, and Genevieve Kenney, Early Experience with Covering UninsuredParents Under SCHIP (The Urban Institute, No. A-51, May 2002), available at http://www.urban.org/url.cfm?ID=310498, accessed April 20, 2005.215 Gwendolyn L. Harris, Commissioner, New Jersey Department of Human Services, Letter to Dennis Smith,Centers for Medicare and Medicaid Services (July 15th, 2002), available at http://www.cms.hhs.gov/hifa/njhifacvrltr.pdf, accessed April 20, 2005; and Thomas A. Scully, Centers for Medicare and Medicaid Services,Letter to Gwendolyn L. Harris, New Jersey Department of Human Services (January 31, 2003), available athttp://www.cms.hhs.gov/hifa/njstandardapprovlet.pdf, accessed April 20, 2005.216 Cindy Mann, Samantha Artiga, and Jocelyn Guyer, Assessing the Role of Recent Waivers in Providing NewCoverage (Kaiser Commission on Medicaid and the Uninsured, Issue Paper, December 2003, p. 2), available athttp://www.kff.org/medicaid/loader.cfm?url=/commonspot/security/getfile.cfm&PageID=28336, accessed April 26,2005.217 Isabel Friedenzohn, Issue Brief: States’ Experience with Benefit Design (State Coverage Initiatives, April 2003,p. 4), available at http://www.statecoverage.net/pdf/issuebrief403benefits.pdf#search='utah%20medicaid%20benefit%20reduced, accessed April 26, 2005.218 Cindy Mann, Samantha Artiga, and Jocelyn Guyer, Assessing the Role of Recent Waivers in Providing NewCoverage (Kaiser Commission on Medicaid and the Uninsured, Issue Paper, December 2003, p. 7), available athttp://www.kff.org/medicaid/loader.cfm?url=/commonspot/security/getfile.cfm&PageID=28336, accessed April 26,2005.219 Centers for Medicare and Medicaid Services, Utah Primary Care Network Demonstration Fact Sheet (updatedApril 4, 2005), available at http://www.cms.hhs.gov/medicaid/1115/utpcnfs.pdf, accessed April 26, 2005.220 Isabel Friedenzohn, Issue Brief: States’ Experience with Benefit Design (State Coverage Initiatives, April 2003,p. 4), available at http://www.statecoverage.net/pdf/issuebrief403benefits.pdf#search='utah%20medicaid%20benefit%20reduced, accessed April 26, 2005.221 Kaisernetwork.org, HHS Approves Utah’s First-in-Kind Medicaid Waiver Proposal To Extend Coverage to25,000 While Reducing Other Benefits (Daily Health Policy Report, Feb 11, 2002), available athttp://www.kaisernetwork.org/daily_reports/rep_index.cfm?hint=3&DR_ID=9405, accessed April 25, 2005.222 Centers for Medicare and Medicaid Services, Utah Primary Care Network Demonstration Fact Sheet (updatedApril 4, 2005), available at http://www.cms.hhs.gov/medicaid/1115/utpcnfs.pdf, accessed April 26, 2005.223 William R. Brody, “A New Vision for Maryland Hospitals” (originally published in the Baltimore Sun,December 10, 2002), available at http://www.jhu.edu/~president/news/sundec10.html, accessed April 21, 2005.224 Maryland Health Services Cost Review Commission, About HSCRC, available at http://www.hscrc.state.md.us/about_us/about_us.html, accessed April 21, 2005.C-37