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hello this is dr eric bricker and thank you for watching a health care z todays topic is the value hole in health plan design now were going to talk about two specific parts of plant design today and those are the deductible and the out-of-pocket max because frankly the way the most health plans are designed today the cost share across the plant design is incredibly lumpy in fact that lumpiness in the cost share actually leads to poor performance of the health plan in terms of both the care and the outcomes for the patient and then also for the overall cost for the plan now what do i specifically mean as it relates to the deductible the lump in terms of the out-of-pocket cost is really front loaded into the plan right and then in terms of the out-of-pocket max once you docHub that out-of-pocket max then that side of the health plan is super low and so that has docHub consequences again in terms of the clinical and the financial performance of the plan and let me relate how that