Within an already fragmented healthcare system, navigating employer benefits can be a challenge for even the most savvy. The health industry is moving towards a more consumer-centric, customized experience and benefits designs are starting to follow. More affordable, personalized options are starting to surface, giving us hope that the future of benefits may not be a one-size fits all approach. From a gig worker to a new mom to a fresh college graduate, coverage needs are different person to person, so how do we tailor them to each? Consumerization may very well be the answer, but not without questions around who is ultimately paying and managing the total cost of care. Let?s talk through all the nuanced models of employer-led health.