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While the official 2016 voluntary benefits market sales numbers wont be calculated until next year, anecdotal evidence from brokers, consultants and analysts suggests another strong year of growth.

Brokers and their clients may be missing a monumental opportunity to curb your health care spending while also improving your employees health.

Although research showed 20 Florida hospitals were marking fees up by more than 1,000 percent, the bad publicity didn't stop them from continuing to hike prices on medical services.

Last month, audits showed Medicare Advantage was overbilling. The Centers for Medicare and Medicaid Services countered by proposing a plan that would require insurers to release pricing data.

In the self-insured world, centers of excellence is a term that is beginning to be used for a specific hospital that has been selected by a large employer for bundled pricing of high-ticket, higher-volume surgeries like knee replacement.

When I first got into insurance, I didn't say, I want to deliver worse news to my clients and their employees by delivering higher cost plans that provide less coverage each year.

If you follow the steps laid out here, you will be able to take advantage of the COE trend, save money, and protect your most important asset: your employees.

With careful consideration of these four factors, a new generation of healthy consumers is within reach.