Viewpoints: ACOs might replace health insurers; Losing a job while pregnant; Barring smokers from the workplace

The New York Times: The Opinionator: The End Of Health Insurance CompaniesHere’s a bold prediction for the new year. By 2020, the American health insurance industry will be extinct. Insurance companies will be replaced by accountable care organizations -; groups of doctors, hospitals and other health care providers who come together to provide the full range…