Look into our crystal ball. Emerging health plan designs, cost containment and long-term strategic planning captivate employers in specific industries and even generous employers in the face of the Cadillac tax. Lessons learned from implementation of emerging plan options and employee reception foreshadow challenges with the future of employer health plans. Understand high level trends – including changes to total compensation, funding changes, defined contribution at its finest, and consolidation of health care systems, insurance carries, and vendors – and how these macro changes affect the future. Compliance with federal law is crucial but truly is a catalyst for greater changes. Create long-term visions for employee expectations, head off struggles for clear communication, and reduce cost and administrative impacts using smart disruptive technology.