Most consumers are not equipped to critically evaluate and compare health plans. They are fully capable, but have little experience. Employers recognize the responsibility that accompanies the implementation of a defined contribution strategy. The employer's role is twofold. First, to offer employees access to a wide range of plans that meet and maintain an established level of value.
Quality includes quality of care, quality of services, and access to providers.
Second, to help employees make a plan choice that is appropriate and based on their personal needs. Purchasing health care insurance is a new experience for most consumers. For the past 20 years most people paid very little for medical care. Employers and insurance carriers paid most of the bills. Times are changing.