Remember the beginning of the health care reform debate? It was about containing health care cost. "Premiums are too expensive. The poor cannot afford coverage," we were repeatedly told, "We must therefore reduce health care expense!"

Having been in the employee benefits business for over 12 years, I think I know a bit about how the system works and how to save on cost. Here is my whiz-bang formula for reducing healthcare cost: Someone has to do with less.

Elegantly simple, isn't it?

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