Paul Krugman, Robin Wells. “The Health Care Crisis and What to Do About It”. New York Times Review of Books. Volume 53, Number 5 · March 23, 2006 – “Second, the private intermediaries add substantial administrative costs to the program. It’s reasonably certain that if seniors had been offered the choice of receiving a straightforward drug benefit directly from Medicare, the vast majority would have chosen to pass up the private drug plans, which wouldn’t have been able to offer comparable benefits because of their administrative expenses. But the drug bill avoided that embarrassing outcome by denying seniors that choice.”