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Large employers aren’t the only ones who can do direct contracting. In this episode of Margin of Care, Lee Lewis of the Health Transformation Alliance breaks down the ways small and mid-sized employers can be more nimble and drive better health outcomes for their covered lives, all the while managing costs. New approaches aren’t out of reach. Key Takeaways: • Employers flattening trend focus on tiering, steering, and behavior change—not just plan design. • Direct contracts aren’t just for jumbo employers—smaller companies can lead locally. • Five focus areas (ortho, maternity, cardio-metabolic, cancer, mental health) = 50% of spend. • Disruption doesn’t mean friction—it means rejecting broken incentives and reshaping value. • High-performing doctors put patients above profit—and smart plans guide people to them. 00:00 – Intro + Guest welcome 01:20 – What is HTA + which employers it serves 03:50 – Why disruption ≠ friction 06:00 – Behavioral health, DPC, and grassroots pilots 10:45 – Getting carriers to be more flexible 13:00 – Small employer advantages + direct contracting 17:15 – Steering strategies that influence systems 20:45 – Data transparency + system accountability 24:10 – Tiering + 5 spend categories (ortho, cardiac, cancer, BH, maternity) 28:40 – Innovation in mental health + birth centers 30:30 – The power of PCP relationships 32:30 – Advice for benefits leaders + Broken Benefits pod Margin of Care is presented by Garner Health. Learn more at getgarner.com