Health insurance companies have been luring healthy, self-employed people away from trade associations with offers of lower premiums if they buy insurance directly. The result: trade associations are left with older, less healthy, higher risk individuals. Now health insurance companies such as Blue Shield are looking at dropping trade associations. Larry discusses this trend with Gerald Kominski, Associate Director of the UCLA Center for Health Policy Research, and Jim Clarke, Vice President of Public Policy for the American Society of Association Executives.