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Despite the implementation of the Patient Protection and Affordable Care Act (PPACA), employers are continuing to provide health care benefits to their employees, though they are looking at all their options. Companies increasingly view health care as an important investment (for employer and employee) and want a greater return: they are still keenly interested in lowering costs but are also demanding better performance and value from providers and insurance companies. Firms are looking for better quality of health outcomes and tailored treatment of individual employees. No matter what choices firms make to cut costs, they must “own” performance of their plans and programs.