Health care is a must-have for 70 percent of workers surveyed and the top concern of young people entering the workforce, topping even salary. Why? Work is changing. A young person starting work will have a predicted 10-14 jobs by age 40. A third of workers are freelance, a number expected to rise. Workers are choosing employers based on their health care plans. And companies are learning that a healthcare plan that embraces innovation, creates competitive advantage, and captures value gives them a key advantage over their peers.