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Health care has two main problems: it is too complicated and too expensive. The cost of health insurance keeps increasing, with the average premium for a family of four being over $22,000 a year. Traditional health plans are not designed to solve these issues. What if I told you there were only two problems with health care? It's true. It's too complicated and it's too expensive. The cost of health insurance is basically doubling every 10 years. Think about it. The average premium for a family of four is over $22,000 a year. And for that, what do we get? Traditional cookie-cutter health plans are simply not designed to address these problems of cost and complexity.