FILE - This April 11, 2014 file photo shows President Barack Obama, flanked by outgoing Health and Human Services Secretary Kathleen Sebelius, left, and his nominee to replace her, current Budget Director Sylvia Mathews Burwell, speaking in the Rose Garden of the White House in Washington. There’s a new health insurance term in the glossary, and it could mean thousands of dollars out of your pocket. It’s a cost-control strategy called “reference pricing.” It puts a hard dollar limit on what health plans pay for certain expensive procedures _ like knee and hip replacements. The Obama administration has given the go-ahead for insurers and employers to use the approach, setting aside some legal concerns. (AP Photo/Susan Walsh, File)
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