"Most people back their way into the insurance business . . . but I got into it on purpose," jokes Lester Morales, Founder of Next Impact. Lester's family was one of the 67% of bankruptcies caused by healthcare expenses. "We were a normal, middle class, family. We were there. This shouldn't have happened. It's absolutely a broken system and I played at the highest levels," he continues. In this wide ranging discussion on the "misalignment of incentives" that pervades the industry, Lester talks about how things can change, what his firm does to save employers and employees hundreds of thousands of dollars while still getting the best care, and much more. This is a must listen for anyone concerned about healthcare costs for themselves, or for their employees.