The health insurance industry is more complex than ever thanks to the rapid erosion of the traditional health care model, a surge in high-deductible plans and a major shift toward consumer accountability.

According to the Kaiser Family Foundation, the average deductible climbed to $1,217 in 2014—an increase of 47 percent in just five short years. In addition, Commonwealth Fund researchers found that premiums for families with employer-funded insurance rose 73 percent while premium contributions by employees soared by 93 percent in the last decade.

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