Arrows in a country where transparent markets are highly valued and understood as beneficial to everyone involved, health care is one of the least transparent markets of all.

Whenever I ask a U.S. employer what’s wrong with health care in America, I get the same response: it costs too much and delivers too little.

Employers are positioned to know this better than anyone. About 158 million Americans get health insurance through their employers. This is just under half of the total U.S. population and more than three and a half times the number served by Medicare, the second largest source of U.S. health care coverage.

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