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Some health care experts believe reference pricing, the strategy used to help the California Public Employees Retirement System save about 30 percent of their costs, is a potential solution to the out-of-control health care spending in the U.S.

The health care industry could save as much as $100 billion over 10 years if it provides more and clearer information on health care prices.

Regulators also are saying plans can use last year's benefits summary templates.

UnitedHealth Group Inc. will lead an industry effort to throw a spotlight on the prices paid for health care services, making their costs available to consumers on the Internet.

Doctors denounced the accuracy and value of data listing $77 billion in Medicare payments to 880,000 medical providers, while consumer and industry groups said it could make the health-care system more cost-effective.

The soon-to-open Free Market Medical Association will post prices for a variety of procedures on its website.

Switzerland is a prime example of a system very similar to that being implemented through the Patient Protection and Affordable Care Actand the elements that differentiate the Swiss system from PPACA might point to where were headed.

Consumers are becoming more active in their own health care. But not about costs.