In my opinion, the most important issue that has t...

In my opinion, the most important issue that has to be resolved is cost transparency. There is no other service or "purchase" that an employee makes that they don't know the cost up front, this includes prescriptions. There needs to be consumer input component also. Do you really think when Barbra Bush had her surgery she checked to see if her dr. was a network provider? I doubt it and we shouldn't have to either.