Why does health insurance cost what it costs? Why does the cost go up every year? And with the ever-rising cost of health care, why do health outcomes for Americans still lag behind the rest of the world? In this episode, Elio interviews Ross Klosterman, Co-Founder of UnifiHealth, a health insurance company working to transform the experience of 160 million Americans who receive their insurance through their employer. Ross discusses costs, risk, incentives, health outcomes and so much more. Enjoy!