Writing in Navigant Perspectives on the Credit Crisis, Navigant's Brian Fuller, Lisa Bard Levine and Casey Nolan discuss the implications of maintaining the health care status quo versus some type of health care reform becoming law. The authors begin with a look at the current state of the U.S. health care system circa late 2009, including the fact that U.S. health care outcomes are no better than that of other industrialized countries despite the significantly higher amount of money the U.S. spends on health care. If reform did not pass, the authors see the status quo characterized by low quality and cost increases driven by technology and inefficient payer systems as unsustainable. If health care reform passed, the authors predicted a material shift in terms of access, cost, quality, and prevention and wellness, with the degree to which each is affected to be determined by the specifics of the law. The authors close with steps health care players can take regardless of whether reform was passed and in what form, including focusing on clinical integration and preparing for bundled payments.