Choosing health insurance coverage and effectively using the health care system can be a daunting and confusing experience for consumers.

Many don't understand basic health insurance concepts, including plan design provisions, carrier provider networks, or when to select a high deductible plan with a health savings account.

Consumers often have many choices, and research shows that they frequently make mistakes and pay more than they need to. In the words of one of our clients, "Our associates understood the concept of being good consumers, but they weren't of the mindset that they needed to be good health consumers."