Change can be intimidating, especially in an industry that so strongly resists it. Working with the right advisor can be crucial in helping you feel satisfied with your new plan. (Photo: Shutterstock)

Changing the norm can be scary in any industry. In health care, however, it's practically unwelcome. Business owners have continuously accepted the norm in benefits spending, paying more every year without seeing a noticeable increase in the quality of their benefits. This practice would be swiftly rejected in any other industry, but many business owners are more comfortable continuing to waste money on ineffective plans than saving money by changing the way they handle their benefits plan.

If you're unhappy with your current plan, but hesitant to try something new, you need to open your mind to big changes for your plan.

Health insurance costs have been steadily rising for years now, even as the quality of benefits employers receive stays the same or even decreases. Benefits are already one of the largest expenses for most businesses as it is, and if their costs continue to increase by 5 or 6 percent (as they have in recent years), employers will have to find a better solution or risk being run out of business by unaffordable benefits.