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A handful of companies have recently announced plans to reduce deductibles or cover more care before workers are exposed to the cost.

Providers are being asked to do more than just treat medical issues--they're being called on to address the underlying social issues that can cause them.

To fix the health care system, target price uniformity, transparency and technology, CEO David Ricks says.

But a professor said the accounts do little to improve access to care, or health care system efficiency.

Generic drugs account for more than 90 percent of U.S. prescriptions. Overcapacity and the emergence of big purchasing groups have slammed manufacturers' margins.

In the four years since Maryland implemented a statewide system of pushing hospitals to lower admissions, savings are adding up to hundreds of millions of dollars for the taxpayers, employers and consumers.

The approach: Let the state contract with wholesalers in Canada, importing cheaper prescriptions from up north and distributing them to the states health care system.

To make a dramatic impact on health care, we have to start from the beginning and the way each one of us engages with the health care system. From there, we can create the full chain to predict, preempt and proactively guide people to better care at a lower cost.