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hello this is dr eric bricker and thank you for watching a health care z todays topic is health insurance plan design question mark question mark meaning confusing misunderstood like what in the world is going on with health insurance plan designs so thats were going to talk about today now believe it or not i have actually presented in person at over 200 open enrollment meetings to employees i i kind of jokingly say but its probably true that i am the only physician in america who has literally presented employee benefits and health insurance uh plan design at over 200 employee meetings in person so like i have like these statistics that im going to talk about here like i have literally seen this in person and so what happens when you explain health insurance plan design to people like they do not know whats going on and its not their fault it is not the fault of the people who are explaining the health insurance plan design the point is is the designs themselves are too confus