Profound and often confusing transformations have taken place in the last 20 years in the way the healthcare delivery system is structured. While not all of the changes are readily apparent to patients, an understanding of them can help consumers make sense of what has happened and understand what is likely to come. A key to making sense of these changes is to understand the shifts in financial risk that have occurred between insurers, providers, and patients. Instructor Azzolini will lead the class.