The times, they are a'changin. Calls for single-payer health care are louder than ever, largely in response to one thing that hasn't changed: increasing health care prices. Employers and employees are all hurting and looking for solutions. Who are they looking at? Benefits brokers.

Reference-based pricing, value-based insurance design, self-funding, direct primary care–the list of new strategies brokers and employers are experimenting with gets longer every day. Some strategies work better than others, and some work for some situations but not others.

One thing is true about all of these strategies: brokers are in it together. Through collaboration and sharing new ideas, successes and failures, the benefits industry can collectively help employers turn the tide on health care costs.

Here are 10 tips on collaboration and innovation to keep in mind as you seek to be a force of disruption in the benefits industry.

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