SOURCES:Kathryn G. Allen, director of health care and Medicaid and private insurance issues, General Accounting Office. Joan Piantadosi, Deerfield Beach, Fla. Sen. Chuck Grassley, chairman, Finance Committee. Ann L. Combs, assistant secretary of labor. Jose Montemayor, commissioner of insurance, Texas. Sen. John D. Rockefeller.General Accounting Office report, "Private Health Insurance: Employers and Individuals are Vulnerable to Unauthorized or Bogus Entities Selling Coverage," February 2004.