Health care symbol and wrench The main three drivers in need of overhaul are the price of medications, the lack of transparency over price and lack of open access to data.

The past ten years have caused a negative turning point for the American health care system, and specifically for consumer health care spending. In fact, unpaid medical bills have become the largest source of debt Americans owe collections agencies, holding $140 billion in unpaid medical bills.

Furthermore, half (50%) of Americans say they are dealing with medical debt, setting them back financially for the long term. This not only causes problems for individual Americans, but also for employers, as employees who have financial stressors are less likely to be productive at work. Because employers insure 156 million people in the U.S., they have a bigger role than many know in driving change in the industry.

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