Dare: You need a good clinical record that care providers can rely on. And, you need consumers who want to be healthy to have access to that information and be able to augment it, and I think that's a partnership. People don't just stay put in one place. We are mobile. What's the more significant piece is that your health information can follow you.

Fasano: There are a number of models out there. Some RHIOs [regional health information organizations] are more successful than others. I have a personal opinion that there will be trusted clearinghouses that become connectors in this industry. The model I point people to is the Visa model in the financial services industry. Your financial information certainly moves around that industry quite seamlessly, both nationally and internationally, and it's considered pretty secure. The same will be necessary in the health industry.

I don't think it's going to be easy for us to say one model is the right model versus another - regional versus national versus a broad clearinghouse. I think the industry will have to go through some learning, because obviously health information is different from the few bits and bytes that get transferred about your credit card transactions.

The vast majority of money in health care is spent on chronic diseases, such as diabetes. That's the responsibility of the patient to maintain. How much control should consumers have versus health care organizations over their e-records?

We did a survey of consumers over a year ago. Do they want to be the person totally in control and managing their own care? Do they just want to tell their care team what to do and when to do it? The research was clear. People don't want to be out there on their own. They want to be connected to their primary care physician.