This educational institution values offering robust benefits as it’s an important part of their employee recruitment and retention. After experiencing double-digit renewal increases for several years, they decided it was time to “educate” themselves about alternatives to the status quo solutions. They decided to stop relying on their carrier to manage their health care spend and to take matters into their own hands. Benefits were enhanced and many $0 copay options became available. Nine straight years of significant savings and no premium increases for employees … not bad!