Craig Lack

CFOs have limited awareness of the unnecessary risks and poor strategies deployed by the people they think are managing their healthcare spending.

The great unbundling of cable TV has begun and will drive prices sharply lower. The same pattern will follow in healthcare.

Healthcare is "managed" as a large operational expense — instead of as a strategic asset that delivers a sustainable competitive advantage.

What if healthcare came with a warning label? "Results vary. They can include hospital-acquired infections and premature death."

Regulators worry about overcharges on investment plans but ignore issues with healthcare that can be 10 times as bad. That will change.

To maintain healthcare profits, key players resist transformational change and use the power of political lobbying, fear and confusion.

Everything is changing, so companies, too, must change their strategies for employees.

Macro trends were already heading in that direction, and the ACA will add to the problem.