One of the most cost-effective ways to help save on group health insurance premiums is to look for ways to control healthcare first by re-purposing the group healthcare benefits from benefits to wellness and performance. Too often, organizations walk a fine line between providing employees with expensive - feature rich - and lower cost - high out-of-pocket - group health care plans. Provide expensive plans and put your business in dire financial stress; provide high out-of-pocket plans and lose your employees. The trick to retaining employees without putting a business at risk is to give employees what they want - a quality affordable medical plan - while controlling healthcare costs. By targeting at-risk employees and keeping medical claims down businesses control healthcare first. When employees have a stake in the decision making process, they are better healthcare consumers. Claims affect premium and premium affect employees when their share goes up; therefore by making employees responsible for their healthcare utilization, organizations are giving them an incentive to become healthier.