http://www.latimes.com/opinion/op-ed/la-oe-0411-baker-obamacare-job-lock-20160411-story.html

Though healthcare systems can gain insurance know-how by partnering with or acquiring an insurer or third party administrator to handle claims, compliance and customer service, putting it all together can be challenging.
http://healthleadersmedia.com/content.cfm?topic=LED&content_id=322450