Healthcare is expensive — and wasteful. The Institute of Medicine estimates that the United States will waste $750 billion this year in inefficiency and waste alone. To put that in context, the Department of Defense budgeted $757 billion for eight years in Iraq. With the enactment of the Affordable Care Act, employers grapple with the challenge of controlling costs for the healthcare they are now mandated to provide to employees. To simplify the complexities of healthcare, a proliferation of…