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IF OUR OLD HEALTH INSURANCE PROVIDER hadn't announced it was going out of business a few years ago, I might not have had the push I needed to dive into other alternatives for our employees. Our premiums, like nearly everyone else's locally, had been jumping by more than 10% a year despite the usual cost-cutting measures of raising deductibles and scaling back some coverages. We had been rather reluctant to introduce too drastic a change to the company's healthcare plan before our provider called it quits, but with change coming anyway and 18 months' notice, I had time to consider several possibilities, including a revolutionary idea only recently available.
