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.  

It's time for strategies with real results. Approaches that put cash back in an employee's hands, while also reducing employer health costs. We don't have time for ideas that sound good, but don't deliver. We need savings now. 

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