Richard Thalerof the University of Chicago was recently awarded a Nobel Prize for his work in behavioral economics, popularized in his book, "Nudge". One area he discusses is theuse of defaults in pension plans. In other words, placing employees in a voluntary savings plan and giving them the choice to "opt out" results in higher savings rates than offering employees pension savings plans and requiring them to voluntarily "opt in". Thus, a nudge is a more socially efficient outcome than relying on self-initiative.How might this nudge be applied to employee health insurance plan choice?