First of all, I completely agree with Mr. Zuk on the employeetype section of the article and that getting rid of unnecessary bureaucracy is the right thing to do in front of the modern world where the projects portfolios are growing and growing every year.
Under this new type of market, employers give each employee a specific allowance that they apply toward the purchase of the health plan of their choice.
Employers then deposit the savings resulting in the difference between these policies and the more usual type of coverage into an account for the employee to use for routine medical expenses, a medical version of Individual Retirement Accounts.