Robert Krughoff is founder and president of Center for the Study of Services/Consumers' CHECKBOOK, an independent, nonprofit consumer organization that was founded in 1974 and has for 40 years published magazines and websites rating services of all kinds, ranging from hospitals and doctors to insurance companies and auto repair shops.  For 36 years, CHECKBOOK has produced its Guide to Health Plans (in print and online) for the 8 million employees and retirees covered by the more than 250 plans in the Federal Employees Health Benefits Program.