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8/22/hhs-awards-40-million-in-grants-to-sign-up-children-for-health-coverage/</loc><lastmod>2011-08-18T19:25:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/19/social-security-cola-still-on-track-for-nearly-3-5-increase-in-2012/</loc><lastmod>2011-08-18T18:58:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/18/early-retiree-reimbursement-program-errp-%e2%80%93-here-comes-the-money-but-what-is-the-fair-way-to-use-it/</loc><lastmod>2011-09-09T17:49:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/17/the-empty-promise-%e2%80%93-%e2%80%9cif-you-like-the-health-benefits-you-have-you-can-keep-them-%e2%80%9d-annual-enrollment-for-2012-and-the-loss-of-grandfathering-under-the-patient-protection-afford/</loc><lastmod>2011-08-16T23:14:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/16/more-on-does-medicare-work/</loc><lastmod>2011-08-16T14:10:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/21/i-am-fed-up-with-obama-the-republican-candidates-the-tea-party-paul-krugman-robert-reich-and-congress-how-about-you/</loc><lastmod>2011-08-15T17:01:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/20/is-there-any-more-to-be-said-perhaps-more-lessons-to-be-learned/</loc><lastmod>2011-08-15T12:24:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/15/the-individual-mandate-struck-down-again-being-happy-about-that-has-consequences/</loc><lastmod>2011-08-15T10:54:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/12/does-medicare-work-2/</loc><lastmod>2011-08-12T19:55:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/10/predictions-for-healthcare-costs-and-coverage/</loc><lastmod>2011-08-10T15:04:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/13/what-do-i-tell-my-grandchildren/</loc><lastmod>2011-08-29T14:02:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/14/missing-rungs-of-the-economic-ladder/</loc><lastmod>2011-08-14T23:39:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/09/massachusetts-gov-deval-l-patrick-understand-health-care-not/</loc><lastmod>2011-08-09T21:19:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/07/verizon-unions-on-strike-over-health-care-benefits-whats-new/</loc><lastmod>2011-08-07T19:44:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/08/taxing-value-of-your-health-benefits-is-on-the-table/</loc><lastmod>2011-08-20T18:00:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/07/taxes-the-bills-on-him/</loc><lastmod>2011-08-06T01:31:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/06/05/the-28th-amendment-get-your-facts-straight/</loc><lastmod>2011-08-10T03:42:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/06/the-latest-rumor-on-the-internet-fact-fiction-or-fantasy/</loc><lastmod>2011-08-04T14:20:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/05/generational-balance-not-budget-balance-laurence-kotlikoff/</loc><lastmod>2011-08-04T12:25:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/03/oil-changes-now-required-to-be-cover-under-auto-insurance/</loc><lastmod>2011-10-19T00:05:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/04/how-to-solve-the-medicare-social-security-and-federal-budget-problems-really/</loc><lastmod>2011-08-02T22:07:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/02/raising-medicare-eligibility-age-to-67-there-are-many-unintended-consequences/</loc><lastmod>2011-08-01T21:35:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/08/01/more-money-for-the-early-retiree-reimbursement-program-errp-s-1088-not-likely/</loc><lastmod>2011-07-31T19:38:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/07/31/river-cruise-stimulus-package/</loc><lastmod>2011-07-31T11:17:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/07/29/why-are-social-security-benefits-taxable/</loc><lastmod>2011-07-29T20:10:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommen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w-much-is-enough/</loc><lastmod>2011-06-03T19:10:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/06/03/health-insurance-company-profits-how-they-drive-up-net-profit-margins/</loc><lastmod>2011-06-03T11:17:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/06/04/ideas-for-reducing-federal-spending/</loc><lastmod>2011-06-02T19:18:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/06/01/president-obamas-plan-to-save-medicare-why-you-should-be-concerned-even-if-you-are-not-on-medicare-perhaps-especially-if-you-are-not-on-medciare/</loc><lastmod>2011-06-01T09:38:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/31/will-my-social-security-check-stop-if-there-is-no-increase-in-the-debt-limit/</loc><lastmod>2011-05-31T20:13:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/06/02/dependent-children-do-not-have-to-be-financially-dependent-to-be-enrolled-in-health-insurance/</loc><lastmod>2011-05-29T15:31:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/29/memorial-day/</loc><lastmod>2011-05-29T11:15:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/27/the-ryan-plan-for-medicare-is-already-in-place/</loc><lastmod>2011-05-27T12:57:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/26/really-saving-money-on-health-care-without-shifting-costs-to-anyone/</loc><lastmod>2011-05-26T10:42:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/28/president-obamas-greatest-asset-may-be-his-greatest-liability/</loc><lastmod>2011-05-25T14:18:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/25/vermont-to-implement-public-option-for-health-insurance-how-does-a-public-option-lower-health-care-costs/</loc><lastmod>2011-05-25T10:19:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/24/medicare-reform-will-shift-costs-to-medicare-beneficiaries-and-everyone-else-regardless-of-the-approached-taken/</loc><lastmod>2011-05-24T17:53:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/29/how-ira-owners-invest-their-assets/</loc><lastmod>2011-05-24T16:27:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/22/saving-on-your-auto-insurance/</loc><lastmod>2011-05-22T17:15:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/21/medicare-enrollment-is-mandated-whats-the-big-deal/</loc><lastmod>2011-05-22T14:10:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/23/2011-medicare-trustees-report-raises-caution-when-considering-savings-generated-by-patient-protection-affordable-care-act/</loc><lastmod>2011-05-20T01:28:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/20/controlling-unreasonable-premium-increases-feds-issue-new-rules/</loc><lastmod>2011-05-19T21:24:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/18/health-care-cost-and-quality-how-did-we-find-the-solution/</loc><lastmod>2011-05-18T19:00:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/15/water-is-our-most-valuable-resource-lets-treat-it-that-way/</loc><lastmod>2011-05-16T00:35:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/11/donate-to-reduce-the-federal-debt-you-dont-need-higher-taxes-to-get-the-job-done/</loc><lastmod>2011-05-11T03:07:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/13/fix-the-deficit-just-stay-out-of-my-backyard/</loc><lastmod>2011-05-11T00:25:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/16/trends-in-employee-health-benefits-not-a-pretty-picture/</loc><lastmod>2011-05-10T20:35:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/17/how-much-do-americans-spend-on-health-care/</loc><lastmod>2011-05-10T20:20:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/14/your-tax-dollars-at-work/</loc><lastmod>2011-05-10T20:17:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2011/05/09/401ks-hsas-and-why-your-payroll-deductions-will-keep-you-working-to-age-70-and-beyond/</loc><lastmod>2011-05-10T01:30:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinns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><lastmod>2010-08-23T23:33:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/disclaimer/</loc><lastmod>2010-08-22T11:01:06+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>http://quinnscommentary.com/2010/08/19/the-garden-state-of-gm/</loc><lastmod>2010-08-20T21:38:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/21/relgious-freedom-only-when-convenient/</loc><lastmod>2010-09-17T15:17:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/18/when-insurance-fraud-may-be-common-sense/</loc><lastmod>2010-08-18T12:14:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/17/bush-tax-cuts-may-expire-but-reporting-the-value-of-health-benefits-on-the-2011-w-2-does-not-make-that-value-taxable/</loc><lastmod>2010-08-17T14:15:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/22/the-solution-to-electing-good-politicians/</loc><lastmod>2010-08-22T17:30:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/16/doesnt-it-make-you-wonder-is-micromanagement-by-the-federal-government-necessary/</loc><lastmod>2010-08-16T11:40:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/14/a-lesson-from-hungary/</loc><lastmod>2010-08-15T06:40:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/12/employers-please-communicate-communicate/</loc><lastmod>2010-08-12T07:35:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/09/who-is-a-child-required-to-be-covered-under-a-health-plan-to-age-26/</loc><lastmod>2010-08-09T17:05:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/08/when-states-are-irresponsible-help-is-on-the-way/</loc><lastmod>2010-08-08T15:40:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/09/saving-jobs/</loc><lastmod>2010-08-10T14:55:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/08/what-a-way-to-run-a-state-or-country/</loc><lastmod>2010-08-01T13:33:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/05/choices-under-the-federal-employees-health-benefits-program/</loc><lastmod>2010-08-01T13:26:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/13/americans-using-less-health-care-just-wait/</loc><lastmod>2010-08-01T13:25:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/02/what-the-heck-is-loss-ratio-and-what-does-it-mean-to-me/</loc><lastmod>2010-07-31T19:28:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/10/a-volt-for-the-middle-class-priced-higher-than-a-mercedes/</loc><lastmod>2010-07-31T19:23:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/11/how-a-little-wind-can-inflate-your-electric-bills/</loc><lastmod>2010-07-30T20:18:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/08/09/rationalizing-government-spending-%e2%80%93-easy-to-do-but-then-what-what-would-fdr-do/</loc><lastmod>2010-07-30T19:04:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/07/31/mr-rangel-just-retire-politics-is-not-a-career-or-rather-shouldnt-be/</loc><lastmod>2011-08-10T13:13:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/07/27/health-insurance-claim-appeal-regulations-are-issued/</loc><lastmod>2010-10-04T10:01:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/07/29/3356/</loc><lastmod>2010-07-28T01:04:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/07/24/tax-cuts-to-expire-is-this-any-way-to-stimulate-the-economy/</loc><lastmod>2010-07-26T21:28:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/07/23/the-puplic-option-it-hasnt-gone-away/</loc><lastmod>2010-07-23T13:39:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/07/22/medical-cost-trends-for-2011-health-care-going-up-9-hey-thats-progress-employees-beware/</loc><lastmod>2010-07-23T12:40:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/07/20/stimulate-the-economy-make-health-care-%e2%80%9cfree%e2%80%9d-its-the-affordable-care-act-isnt-it/</loc><lastmod>2010-07-19T22:12:57+00:00</lastmod><changefreq>monthly</changefreq></u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oc><lastmod>2010-05-19T15:22:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/17/the-doc-fix-or-not/</loc><lastmod>2010-05-19T12:07:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/19/the-mandate-to-carry-health-insurance/</loc><lastmod>2010-05-19T12:00:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/19/its-really-not-that-hard-to-not-make-a-mistake-mr-blumenthal/</loc><lastmod>2010-05-19T17:38:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/05/27/78/</loc><lastmod>2010-05-14T15:02:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/16/the-benefits-of-health-care-reform-eh-health-insurance-reform/</loc><lastmod>2010-05-13T19:21:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/13/the-real-world-of-health-care-costs-and-risk-are-there-limits-on-what-we-can-pay-for-health-care/</loc><lastmod>2010-05-13T10:54:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/12/early-effective-date-to-enroll-adult-children-under-your-health-insurance-coverage-many-insurers-agree/</loc><lastmod>2010-05-12T13:59:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/13/forty-years-and-out-when-did-serving-in-congress-become-a-career-we-need-shorter-term-limits/</loc><lastmod>2011-08-02T23:55:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/11/the-cost-of-expanding-coverage-to-adult-children-additional-1-added-to-premiums-cant-blame-this-one-on-the-insurance-company/</loc><lastmod>2010-05-11T11:06:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/12/not-directly-addressing-the-true-underlying-problems-in-our-health-care-system-i-e-cost-payment-reform-more-efficient-delivery-systems-and-even-tort-reform-seems-more-founded-in-politics-than/</loc><lastmod>2010-05-11T03:04:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/10/rules-for-adult-dependent-coverage-under-ppaca-now-available/</loc><lastmod>2010-05-10T19:49:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/10/who-really-cares-about-health-care-costs-not-congress-thats-for-sure-consider-tricare/</loc><lastmod>2010-05-23T17:41:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/09/preparing-for-retirement-fugetaboutit-many-americans-arent-savvy-on-the-basics-of-personal-finances/</loc><lastmod>2010-05-09T15:21:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/07/using-the-early-retiree-reinsurance-money-provided-under-ppaca/</loc><lastmod>2010-05-06T19:33:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/06/adult-dependent-children-under-ppaca-to-age-26-or-through-age-26/</loc><lastmod>2010-05-06T18:56:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/07/temporary-reinsurance-early-retiree-coverage-decline-accelerated/</loc><lastmod>2010-05-06T00:58:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/05/obama-administration-offers-unlimited-buffet-all-you-can-eat-and-something-for-everyone-but-have-you-checked-the-price/</loc><lastmod>2010-05-05T13:18:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/04/white-house-fact-sheet-on-early-retiree-reinsurance/</loc><lastmod>2010-05-04T20:04:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/04/retiree-reinsurance-plan-hhs-makes-it-clear-that-employer-can-save-money-as-well-as-the-retiree/</loc><lastmod>2010-05-04T14:18:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/06/does-anyone-in-washington-understand-how-employee-benefit-plans-work/</loc><lastmod>2010-05-03T23:12:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/05/less-rhetoric-fewer-scapegoats-more-dignity/</loc><lastmod>2010-05-06T11:35:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/03/have-you-joined-the-facebook-group-what-the-heck-are-they-doing-with-my-employee-benefits/</loc><lastmod>2010-04-30T22:05:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/03/many-employers-are-contemplating-alternatives-to-continuing-retiree-prescription-drug-coverage-including-outsourcing-a-part-d-plan-there-are-some-important-issues-for-an-employer-group-waiver-plans/</loc><lastmod>2010-04-30T19:36:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/02/concerned-about-the-growing-level-of-federal-debt-you-should-be-congress-is-trying-to-buy-your-vote-with-your-future/</loc><lastmod>2010-04-30T19:23:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/30/why-your-prescrption-plan-is-important-time-to-tell-ceos-and-cfos-how-important/</loc><lastmod>2010-04-30T19:14:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/05/01/immigration-reform-are-you-kidding/</loc><lastmod>2010-05-03T13:23:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/29/grandfathering-under-ppaca-what-you-think-you-have-may-not-be-what-you-think-you-have/</loc><lastmod>2010-04-29T18:57:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/28/cfos-see-an-opportunity-the-end-of-employer-based-health-benefits/</loc><lastmod>2010-04-29T22:51:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/29/why-the-patient-protection-affordable-care-act-ppaca-will-not-produce-the-stated-savings-and-why-you-should-care/</loc><lastmod>2010-04-28T20:51:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/26/the-realities-of-health-care-reform-are-becoming-apparent-sooner-rather-than-later/</loc><lastmod>2010-04-28T20:26:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/27/lessons-learned-lessons-ignored/</loc><lastmod>2010-04-27T16:29:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/23/employers-seek-new-strategies-to-cope-with-ppaca-changes-in-retiree-prescription-coverage-shift-to-medicare-part-d-likely/</loc><lastmod>2010-04-23T16:57:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/23/employers-figure-ways-to-mitigate-impact-of-ppaca-are-you-surprised-unintended-consequences-what-a-concept/</loc><lastmod>2010-04-23T01:54:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/22/what-the-cbo-director-says-about-the-impact-of-health-care-reform-on-the-deficit/</loc><lastmod>2010-04-22T12:29:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/22/new-move-in-congress-to-regulate-health-insurance-premiums-surprise-surprise/</loc><lastmod>2010-04-22T00:47:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/21/reining-in-wall-street/</loc><lastmod>2010-04-21T16:47:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/21/generous-americans-know-no-bounds-with-their-giving/</loc><lastmod>2010-04-21T01:12:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/20/back-to-the-future-what-happened-to-hmos-look-in-massachusetts/</loc><lastmod>2011-02-25T07:20:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/20/what-the-heck-are-they-doing-with-my-employee-benefits/</loc><lastmod>2010-04-19T18:06:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/18/we-all-love-entitlements-and-we-all-complain-about-taxes-and-the-debt-how-dumb-are-we/</loc><lastmod>2010-04-24T15:33:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/15/its-all-the-fault-of-insurance-companies-right-playing-on-the-mindset-of-america/</loc><lastmod>2010-04-15T12:44:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/14/retiree-reinsurance-program-under-the-ppaca/</loc><lastmod>2010-04-14T01:30:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/12/high-risk-pools-helpful-to-those-who-need-them-but-then-what/</loc><lastmod>2010-04-11T13:57:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/11/when-adverse-selection-becomes-a-national-event-how-do-we-enforce-mandatory-coverage-under-the-ppaca/</loc><lastmod>2010-04-10T16:03:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/10/real-health-care-reform-a-study-of-medicare-patients-shows-that-costlier-more-complex-spinal-fusion-surgeries-are-on-the-rise-and-sometimes-done-unnecessarily/</loc><lastmod>2010-04-08T20:55:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2010/04/08/covering-children-under-health-insurance-to-age-26-probably-no-additional-co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q></url><url><loc>http://quinnscommentary.com/2009/12/28/an-amazing-christmas-on-the-garden-state-parkway/</loc><lastmod>2009-12-28T23:33:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/28/the-fundamental-problems-of-health-care-in-american-start-when-you-enter-a-doctors-office/</loc><lastmod>2009-12-29T11:16:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/24/elequent-speech/</loc><lastmod>2009-12-24T14:26:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/24/a-good-assesment/</loc><lastmod>2009-12-23T19:51:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/23/don%e2%80%99t-tax-my-fruitcake/</loc><lastmod>2009-12-23T19:38:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/23/health-care-reform-may-be-delayed/</loc><lastmod>2009-12-23T15:00:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/22/fine-print-details-real-motives-take-your-pick/</loc><lastmod>2009-12-22T16:36:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/22/no-free-lunch-really/</loc><lastmod>2009-12-22T13:28:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/21/the-most-significant-legislation-in-decades-and-who-likes-it/</loc><lastmod>2009-12-21T19:23:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/19/health-care-reform-one-step-closer-get-ready-for-the-historic-moment/</loc><lastmod>2009-12-19T21:37:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/18/what-the-housing-%e2%80%9ccrisis%e2%80%9d-and-health-care-reform-have-in-common/</loc><lastmod>2009-12-17T21:25:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/17/possible-pbm-excise-tax/</loc><lastmod>2009-12-29T18:23:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/16/employer-concerns-about-health-care-reform/</loc><lastmod>2009-12-18T02:30:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/18/bring-back-risk/</loc><lastmod>2009-12-16T15:50:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/16/why-it-is-so-hard-impossible-to-%e2%80%9creform%e2%80%9d-health-care-in-america/</loc><lastmod>2009-12-16T13:20:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/15/last-chance-for-health-care/</loc><lastmod>2009-12-15T14:28:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/15/54-billion-out-there/</loc><lastmod>2009-12-14T18:27:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/13/cfos-send-letter-to-reid-and-pelosi-on-taxation-of-medciare-part-d-rebate/</loc><lastmod>2009-12-14T14:18:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/15/in-theory-nothing-is-unaffordable/</loc><lastmod>2009-12-14T01:14:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/14/but-can-we-afford-it/</loc><lastmod>2009-12-13T18:30:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/12/you-invested-in-an-ant-hill/</loc><lastmod>2009-12-15T01:42:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/10/health-care-reform-good-enough/</loc><lastmod>2009-12-12T04:41:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/09/the-hair-of-the-dog-that-bit-you/</loc><lastmod>2009-12-12T22:24:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/08/the-new-health-care-play-dough/</loc><lastmod>2009-12-09T13:56:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/07/pay-me-how/</loc><lastmod>2009-12-09T21:21:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/03/will-states-drop-medicaid-if-they-are-forced-to-spend-more/</loc><lastmod>2009-12-04T01:29:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/03/wanted-an-informed-health-care-consumer-300-million-openings/</loc><lastmod>2009-12-04T20:39:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://quinnscommentary.com/2009/12/02/afghanistan-i-dont-get-it/</loc><lastmod>2009-12-08T12:02:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>http://qui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