Have you noticed how if you keep certain clothes long enough, they'll usually come back into fashion? When I was in high school during the '90s, we often balanced our flannel shirts, torn jeans and Doc Martens with a smattering of hippie-influenced styles from the '60s. And during a recent trip to the mall, my wife and I both noticed that the display windows were filled with outfits that wouldn't have looked out of place on the pages of one of our old yearbooks. The more things change…

Although Americans pride themselves on being forward thinkers and innovators, if you dig a little deeper on most "new" ideas, you can usually find something very familiar just under the surface. And the same is true when it comes to our industry. Many of the groundbreaking concepts being championed by advisors who are currently transforming the face of American health care are actually throwbacks to an earlier age when health care was both more personal and more affordable.