The new health care laws do not include a single payer system, but rules being implemented by the Department of Health and Human Services could put burdens on private insurance companies that could force them out of business. How could this happen? How would it impact the cost of your premium and the quality of the care you receive? We ask Galen Institute President Grace-Marie Turner, and get her reaction to the government spending five billion dollars of your money for health programs in New Jersey and Connecticut – even though only three people have signed up for them.