“Healthcare is already fixed, it’s just not evenly distributed,” Dave Chase laments in his writings about employer’s struggles with healthcare costs. It’s a play on what the Sci-Fi writer Gibson said over 20 years ago: “the future is already here, it’s just not evenly distributed.” The future of healthcare is NOW! There are many companies and municipalities who are living in the future and have solved the healthcare mystery for their employees already. We can learn a lot from