Nurses and doctors crowd around a station at California Pacific Medical Center's Pacific Campus, a Sutter Health Facility. "The days where it was one doctor and one nurse providing care are over," says Dr. Lory Wiviott, California Pacific Medical Center's chief of medicine. Penni Gladstone for KHN hide caption

itoggle caption Penni Gladstone for KHN

Christina Anderson is loyal to her hospital and refuses to change her family's health plan, even though it would save her family money. Sarah Varney/KQED hide caption

itoggle caption Sarah Varney/KQED