Healthcare spend in employer-sponsored insurance continues to increase year-over-year, and the strategies used to reduce spend have not evolved significantly in the past several decades. There are three major players in employer-sponsored insurance — employers, brokers and consultants, and health plans — and yet no one is taking the lead to drive down spend. This infographic delves into the strong incentives and barriers that make each of these stakeholders accept the status quo for medium to large, self-funded employers.