ms. hultberg. mr.eyles, welcome. >> chairman alexander, ranking member murray and members of the company, i am president and kre of ahip, america's health insurance plans. i appreciate the opportunity to testify on reducing health care costs and administrative spending, and on our industry's leadership in simplifying health care and protecting patients. every american deserves access to comprehensive, affordable coverage choices without regard to preexisting conditions. that help to improve their help and financial security. ahip and our members are strongly committed to this goal. we invest in a wide range of initiatives to protect patient care and to protect patients from inappropriate or unnecessary treatments. our written testimony focuses on four areas. first, we provide an overview of how consumer premium dollars are invested in the commercial market. our graphic and analyses show that the vast majority of every health care dollar goes to pay directly for medical treatments and services. the rest