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Patrick Powers

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Hospitals are trying to increase their referral volumes so that they have a greater patient base.

The San Antonio area has a significant uninsured rate of 20 percent. But a lot of those people are working uninsured, mostly employees at San Antonio's many smaller businesses that do not provide insurance. Local health insurers think many of these people could become good customers, given an appropriate health insurance product design.

And physician shortages may get worse, as hospital expansions create new demand for specialists already in short supply.

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