Problems in Health Care Rising Costs –Malpractice Insurance –Overhead Managed Health Care (HMO) –Reduced reimbursement Reduced Income –Cuts in Health Care Costs by the Government come from Doctors and Hospitals Time –More patients to create same income –Stress

+3.5 % Change in Physician Income All Physicians Primary Care Specialists Professional/ Technical Workers Source: HSC Community Tracking Physician Survey

Annual Premiums in 2001 By Specialty Compared to California $173,000 $111,000 $39,000 $106,000 $81,000 $29,000 $100,000 $60,000 $22,000 $48,000 $28,000 $10,000 $0 $20 $40 $60 $80 $100 $120 $140 $160 $180 $200 New York/FloridaMichiganIllinoisCalifornia Ob/gynSurgeonInternist Source: Medical Liability Monitor $, 000

2003-4: Continuing Decrease in Physician Incomes HSC Community Tracking Study Physician Survey Malpractice insurance to rise 40% in NY, NJ & CT Insurance.com The Outlook