the latino coalition foundation 725 massachusetts avenue ne washington dc 20002 phone 202 546 0008 fax 0807 2002 all rights reserved a gathering storm in california health care trends managed costs accountability and quality by naomi lopez bauman executive summary 1 introduction 2 rise of 3 tax treatment employer based 4 demand 5 spending 6 where does dollar go soaring premiums 7 premium burden on employees 8 employee participation what is driving 9 increases 10 will patients pay more for less 11 12 abandoning hispanics unique needs asthma 13 diabetes putting first 14 conclusion 15 about author 23 t able c ontents figures figure s marketplace 2001 plan enrollment