Self-insured employers play a big role in the U.S. health care system. As a group they finance 34% of total health care spending (see National Health Expenditures 2018 Highlights) and cover 56% of the population (see U.S. Insurance Coverage & trends, 2011-2018: An OPEN MINDS Reference Guide) and 59% of working aged adults. Annual per employee costs are now approaching $15,000 per year. So what employers do with health benefit management has a significant impact on the landscape. What are employers planning? After reading the results of a new survey conducted by the National Business Group on Health (see 2020…