Market Reform principles http://www.actuary.org/ pdf/health/market_reform_ may09.pdf Individual Mandates http://www.actuary.org/ pdf/health/individual_man- date_may09.pdf September 2009 Health Reform now http://www.actuary.org/ issues/health_reform.asp Critical Issues in Health Reform: MeRgIng tHe SMall gRoup and IndIvIdual MaRketS transitioning to new Markets http://www.actuary.org/pdf/ health/transition_aug09.pdf Copyright 2009 American Academy of Actuaries. All rights reserved.