Brokers/Consultants, pay particular attention to the last 2 minutes of this 13 minute video by Eric Bricker. He is absolutely dead on. Too many brokers don’t do this. Instead they waste time working through the Department of No (Human Resources).
Also notice one key point of this health plan design: There are no claims, no insurance for low cost medical care. Insuring flat tires and fan belts on your car is really very silly so why insure office visits and other low cost care?
This is essentially a cash pay health plan which is the future of health care. And the future is now.