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One of the largest (and growing) issues facing our clients today is skyrocketing out-of-pocket costs. According to the 2014 Milliman Medical Index, the average American family of four spent $3,787 in out-of-pocket costs. Estimates for this year place it over $4,000.

As an industry, we’re hitting a wall. The average family budget can’t take much more. This is a problem because the most-used plan design changes lately have shifted costs to employees. We need new approaches that actually change costs and outcomes, not just shift the expenses.  

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