public plan option http://www.actuary.org/pdf/ health/public_plans_june09. pdf administrative expenses http://www.actuary.org/pdf/ health/admin_expenses_ sept09.pdf Market Reform principles http://www.actuary.org/ pdf/health/market_reform_ may09.pdf October 2009 Minimum loss Ratios http://www.actuary.org/pdf/ health/loss_july09.pdf Critical Issues in Health Reform: HealtH InsuRanCe CoopeRatIves Copyright 2009 American Academy of Actuaries. All rights reserved.