Healthcare industry problems call for cooperative solutions.

The complexity of problems facing American health care--from extending health benefits to the uninsured to caring for people with acquired immune deficiency syndrome--require cooperative solutions involving providers, insurers, and policy makers. A spokesman for the health insurance industry presents ideas about the future of health care and discusses the role of insurers in meeting the challenges ahead. Among the items on the agenda: further growth of managed care; continued attempts to control costs and utilization; and sharing the burden of risk with consumers.