Visit with your benefits representative and inquire what steps your company has taken to reduce their financial risks when it comes to employee benefits. For example, my company is looking to change their 2-tier prescription drug plan (generic, brand) to a 3-tier plan (generic, preferred brand, nonpreferred brand) with an increase in the copay's. The company should see an immediate 15% decrease in prescription drug costs, which is quite important since the company self-insures the health insurance risk.