I’ve written previously about the blight of complacency that has descended upon employer-sponsored health insurance. Much of the growth of the unsustainable cost-curve experienced by employers and their employees arises from the complacency of benefit advisors, employers, and their employees. Employee benefit costs—namely, healthcare—appear as the second largest expense item for many employers.   Yet benefit

Within health plan design offerings, there are four categories, or metal levels, made available to employers and their employees. These levels are listed by the split of costs between the enrolled individual and the health plan. See chart below:  How you and your insurance plan split costs The decision process behind enrollment within these plans