Is it big pharma, using the guise of R&D  to charge inordinate royalties for drugs? Is it medical equipment manufacturers, eager to sell hospitals their multi-million dollar scanners and probers? Is it the medical providers—hospitals and physicians—making vast sums of money while the average family sinks financially in the face of medical expenses?

Is it insurance companies, trying to squeeze the last bit of profit out of a business where—at least in theory—their expense ratio is regulated?

Or, is it us? What are we doing to control costs? We know employees are vital to our business, paying for voluntary plans, yet we keep trying to find ways to ask them for more money, too.

We need to realize our role in the problem. We are eager to offer employees products to fill gaps in their medical plans, but nothing to either shrink the gaps or to shrink the level of cost. We obsess about effects of Obamacare, yet what are we doing to attack medical spending?

One answer is wellness programs—but are we spending as much effort on engaging employees in wellness as we are in selling voluntary products alongside them? Are we advising employers on ways to get their employees to become better health care consumers, and on ways to foster employee empowerment via consumerism and transparency?

There are tools that can make this happen, and we should be using them as part of our core value proposition. The health care system is ill—and we need to start advancing a cure.