Access to Care

Fertility care is one of the most requested benefits in today’s workforce, but most insurance plans don’t cover it. Here’s how to offer meaningful fertility support without blowing up your benefits strategy — or budget.

Here’s how you build a bridge from “I want help” to “I can get it.”

Now in its 40th year, the Entrepreneur Of The Year program celebrates the bold leaders who disrupt markets through the world’s most ground-breaking companies, revolutionizing industries and making a profound impact on communities.

Millions of Americans struggle with unexpected out-of-pocket healthcare costs, leading to deferred care and financial stress—but a new feature in over 60M health plans is changing that. By integrating payment flexibility, payers are unlocking certainty of affordability, allowing members to transform medical expenses into manageable, interest-free payments—improving access, financial stability, and health outcomes.

When it comes to healthcare, affordability isn’t just a buzzword—it determines access, outcomes, and equity. The economic principles governing healthcare demand are straightforward: as costs decrease or become manageable, more people can access and afford the care they need. When they are high, rising, or uncertain, too often, healthcare doesn’t happen. Unfortunately, Out-of-pocket costs often present insurmountable barriers for patients.

When we think about innovation in healthcare, it’s easy to get caught in the traditional "iron triangle": access, cost, and quality. These three elements have long been considered fixed constraints—improve one, and you’re likely to diminish another. But what if there’s a way to disrupt these familiar dynamics? What if there’s a fourth dimension that, by pushing the triangle over time, can make care more accessible and affordable without sacrificing quality? Our CEO and founder, Brian Whorley, has written about this possibility, which is worth revisiting as benefit leaders emerge from open enrollment and turn their eyes toward 2026.