In order to improve healthcare and better serve patients, there must be competition within different healthcare markets that offers ample choice, high quality, and transparency. Competition is the key and the driving force to ensure better care at a lower price for all. We write to you to raise concerns over the proposed consolidation in Florida’s health insurance markets. As detailed below, the proposed mergers between Anthem-Cigna and Aetna-Humana will reduce the number of health insurers within Florida and could substantially lessen competition for millions of consumers. Competition between health insurers is vital to ensuring lower premiums, improving quality of care, and promoting access and choice.