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In 2023, as the convergence of transparency rule deadlines, firmer penalties for non-compliance, and changing consumer behaviors gains traction, these five trends will emerge.

The analysis notes that the reported hospital prices often don't include data on the contracting method and payer class, which hospitals are not mandated to share by the new federal regulations.

It's likely that self-insured employers and health insurance issuers will be required to reveal more data - not less.

Hospital and payer transparency has started to produce actionable changes in the health care delivery system and advisors need to ready their plan sponsor clients for what is to come. The advisors who prepare and plan for this new health insurance landscape will set themselves apart and be in the best position to benefit from these changes.

HSAs and other CDBs will continue to play a positive role in the American health care system.

These three tactics can stop employees from underutilizing their benefits (even when preventive care is fully covered), which is a recipe for absenteeism, long-term poor health outcomes and employee resentment.

Two thought leaders - and hosts of Out Front Ideas webinar series - review the biggest challenges and new developments expected to impact health care, retention and employee benefits in the coming year.

There needs to be a dramatic shift in the relationship between payers and providers and the means by which Americans pay for health care services.