Article: BLUE CROSS UNDER THE GUN MAJOR NEW STUDY, DUE IN 2 WEEKS, OUTLINES MASS. INSURER'S WOES

Blue Cross-Blue Shield of Massachusetts has always blamed its problems on someone else.

Its favorite scapegoat has been a flawed system of state regulation that has left the company with enormous and expensive social responsibilities and not enough money to pay for them.

A major study of Blue Cross, due out in about two weeks, is expected to say the company has a point -- that state policies have contributed to the health insurer's woes, which include a very low level of financial reserves and a steady loss of subscribers. But that same study will also deliver another message: The company's own management bears most of the burden for the firm's difficulties.

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