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According to the Dutchnews.nl website (quoting a survey by national GPs association LHV), 9 out of 10 family doctors are unhappy with the contract they have signed with health insurance companies. The health insurance system is expected to be functioning as in a free market, however, it appears that four health insurance companies control 90% of the market. The doctors also say they feel powerless to negotiate with insurance companies for better terms. Ordinary people on the other hand do not understand all of these issues and what impact it could or does in fact, have on the provision of health services. To discuss and analyse this issues we have have doctor F Ogbuli, a local GP to answer our questions.