Employers and brokers should step back and look at the benefit products that are being used and ask: “If we were designing these plans in 2012, what would they look like?”  Today, we use dental plans designed over 50 years ago, and vision plans designed over 25 years ago.  Both of these predate HRAs, HSAs, and FSAs.  All plans from all insurers are almost identical:

Where is the creativity, flexibility, and differentiation?

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