"there are only three entities in the U.S. that ultimately pay for healthcare: [1] The government/taxpayer (via programs like Medicare, Medicaid, or the VA); [2] Insurance companies (as the actual payer in fully insured and individual-market plans); [3] Employers (when they self-fund and become the payer directly). And among those three, the employer is -- by far -- the least conflicted and the most amenable to optimization."  MORE >>