The Health Rosetta approach is brilliant. It saves absolutely unimaginable amount of money that is leaking out of the pockets of the citizens and employers--providing no benefit. It does not require creating any new value. You don't have to fill more buckets, just plug the leaks in the bucket you have already filled.
Dave Chase has written a book titled "Relocalize Health" 
and created the tools and services so critically needed. It is worth reading. A free PDF is available at Health Rosetta .
Using the open source tools and services can lead to stopping the economic exsanguination that is going on across American communities through the gaping wound caused by remote, extractive medical insurance schemes that all but define the American medical delivery system. That wound can be repaired locally at little expense and at great benefit to the entire community including businesses and government.
Dave's approach is the starting place since it provides the funds needed for everything else! You will learn that about half of what your community pays for medical care is not care at all. That 50% can save whole communities!
YOUTUBE wKmbKEOUaQU Dave Chase on stopping the bleeding from you wallets and communities.
See Health Rosetta