Rising health care costs have long hinted that the employer-provided health insurance model is unsustainable, according to the heads of Zane Benefits, who claim a paradigm shift is moving the benefits industry toward defined contribution employer-funded health care, instead.

Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased insurance, they say. In a new book, “The End of Employer-Provided Health Insurance,” Zane Benefits founder Paul Zane Pilzer and its president Rick Lindquist lay out a system of defined-contribution employer-funded health care they say benefits everyone, but some advisers and even employers remain skeptical.

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