After four decades in employee benefits, I have learned that breakthroughs often begin with a better question. The industry has spent years redesigning plans, deductibles, consumer-directed models, private exchanges, high-deductible plans, and ICHRAs—all to improve how care is financed.
Yet the core problems persist: employees struggle with affordability, employers seek sustainable solutions, spending rises, and outcomes often fail to justify the investment.
Request access to read the full article
Access is reviewed by the Enrichly team. Once approved, you can read this article and other exclusive content.