Reforms of MMMFs are likely to place considerable financial and administrative burdens on state and local governments.

Employers with 50+ full-time employees or full-time equivalents must offer medical coverage that is "affordable" and provides minimum value to full-time employees and their children up to age 26 or face penalties.

Reverse auctions provide an unbiased approach that completely negates any possibility of favoritism and provides an equal chance of winning for all suppliers.