As employers face cost increases and deferred surgeries while guarding the health of their employees and offering rich benefits, a new business model is necessary.

According to the Health Care Cost Institute's (HCCI) annual Health Care Cost and Utilization report, health care spending rose 20% over the last five years. On top of that, companies today are in the tightest hiring market in recent history, one in which offering a rich benefits package is crucial to attracting top talent.

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