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Picking the right plan can save employees significant money, often hundreds or thousands of dollars annually. Photo: Getty Images.

For decades, the health insurance industry has worked, mostly unsuccessfully, to slow the pace of increasing cost. The complexity of our medical delivery system makes the task daunting, given complex care delivery models, misaligned incentives and payment methods, the pace of technological advances, and society’s preference for broad provider network access. In recent years, cost containment initiatives have focused largely on advancing consumerism to buck the trend, nudging individuals to be more responsible for navigating the market, and providing tools intended to help them do so. 


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