"Major change usually comes off a platform of crisis, and I think everyone can agree that crisis conditions surely exist in health care economics. The nation's health care bill has been doubling every eight years for the last four decades. The runaway costs have been busting the budgets of federal, state and local governments, and they have bled the bottom lines of corporations. [...] We began our quest with a simple goal: neutralize the upward spiral in health costs so we can avoid annual premium increases for the company and its co-workers. How did we do this? As CEO and now chairman, I asked our 460 workers to take ownership of their health and healthcare costs, and we gave them the incentives and information to become expert consumers of health care."