The United States already has one of the world's most expensive health systems – and with projections of 47% growth in U.S. health expenditures by 2028, it may feel like there's no end in sight. 

The skyrocketing costs of care has many self-insured employers considering more affordable alternatives to traditional benefit plans and provider networks. NFP's 2022 U.S. Benefits Trend Report showed that most employers are ready and willing to implement new cost-containment measures, with almost two-thirds feeling a sense of real urgency to make a change.

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