Dr. Paul Grundy of IBM explains how major employers are radically and rapidly shifting what type of healthcare they are willing to pay for in light of their dissatisfaction with status quo.

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Load shifting is a type of arbitrage based on the fact that it takes about 24 hours for changes on spot prices at the NYMEX to feed into gasoline prices at the wholesale level, according to Mossman.

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Many smaller companies that provide coverage have also been shifting to HSA-type coverage.

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