The cost of employee benefits has risen by over 125% in the last decade. One of the myriad of challenges exacerbating this problem is that the end users of your benefit plan regularly have no financial incentive to make sure they are purchasing the most reasonably priced treatment available to them.
Below is a great illustration of this point. Hat tip to Jane Cooper of Patient Care and SHRM. Low cost plans with fixed co-pays as opposed to coinsurance percentages do not correct the below market failure.