John Sbrocco is a forward-thinking health care risk manager and benefits consultant who has built his reputation on transparency and delivering results. John's clients point to his ability to implement complex risk management solutions in a way that's easy to understand, actionable and more importantly, measurable. I had a chance to speak with John after an implementation call for a new employer group and ask him a little about his thoughts on the industry.

Rick Ramos: What is your biggest struggle in benefits right now?

John Sbrocco: The biggest struggle right now is breaking the status quo mindset of employers. They have been brainwashed by the BUCA insurance carriers on whom they must rely for access to affordable care. When I present solutions to employers that can drastically cut their health care costs, their biggest concern is disruption to the employees. However, if employers continue with the status quo, the result is employees facing rising out-of-pocket limits and premiums increasing by double digits annually.