What do you envision is the best way to do this? Our approach is to present employees with a few options upfront that, behind the scenes, have been recommended by a broker for them. They can speak with their broker if want help understanding and selecting one of the recommended plans, or look at the wider market if nothing suits them.

We try to streamline the experience as much as possible, and put in a lot of work building an interface that explains the plan details in-app.

And you always have the option to tell one of our brokers "None of these work for me, I want to make sure Dr. Smith is in my network, show me more options".