DIANE P. WOOD, Circuit Judge.
Few things are more important to people in this uncertain world than their medical insurance, if indeed they are fortunate enough to find themselves in the 85% of the United States population that enjoys some level of coverage. 1997 Statistical Abstract of the United States § 2, Table 171 (reporting 1995 data). In many instances, this coverage is provided through an employer-sponsored welfare benefit plan regulated by the Employee...
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