state health care expenditures experience from 2002 released january 2004 donald e wilson md macp chairman of maryland dean school medicine vice president for medical affairs university residence baltimore county george s malouf ophthalmologist prince walter chase sr retired police chief easton talbot ernest b crofoot afl cio anne arundel larry ginsburg service employees international union jeffrey lucht aetna inc howard robert moffi t ph d heritage foundation nicolay business owner carroll debra h risher and belair engineering & co constance row partner associates harford stephen j salamon financial consultants llc clifton toulson jr us small administration marc zanger ceo cbiz benefi ts insurance services allegany acknowledgements this report required the assistance