In summary, pre-claim generating employees whether healthy or not, expect inequitably designed employer health benefit plans to pay the major costs for health benefits. You got that?

Graphically, it looks like this.

Despite all appearances, as demonstrated by the steady decline in the health of Americans and the steady rise in health care expenditures, employers and health care providers have never been highly motivated to control health care. The existing culture, politics, and financial dynamics that govern health care delivery systems are not strategically designed to comphresively reduce or eliminate benefit costs. Arguably, getting employers and health care providers to develop a cost effective health care delivery system is analogous to getting the U.S. the move from fossil fuels to environmentally safe fuels. Don't sell your oil guzzling car anytime soon, and don't expect your health care premiums to drop anytime soon either!