1. New ideas to decrease health care costs

2. Value-based care

• Outpatient specialty surgical arrangements. Work with providers who will take a set price for common procedures. There's no complicated billing, no back office, no price changes if infections or complications occur.
• International prescription programs
• Disease management. If employees are engaged with a nurse manager, the employer covers all expenses.
• Direct primary care
• A mandatory second opinion program. Contorno noted that when an employee gets a second opinion, the course of treatment changes 82 percent of the time, and 90 percent of the time, it's at less cost with a less invasive treatment.

3. Legislative changes

4. Average brokers vs leading producers

• They have a much higher client retention rate — attributed to better communication, tools and strategies
• They fill their prospect pipeline differently, more often calling on their expertise by giving presentations and writing

5. Leadership begins with Y-O-U

6. We have inspiring peers

7. Recurring ideas

• The challenge of and approaches to solve the opioid crisis
• Philanthropic savings accounts
• Approaches to bring new and younger talent into the industry
• Software and services for employee engagement and benefit administration.
• And since what is old is new again, cross-selling ancillary services to better serve your customer