“One of the first things that must be overcome in the healthcare marketplace is the barrier that the insurance industry places in front of purchasers of healthcare to access meaningful data. In reality, the funding mechanism chosen by any given plan sponsor should be a function of available data being turned into information and business decisions made that are prudent and founded on knowledge as is WellNet’s approach. Being fully insured or self-insured should not be a decision driven by the size of an employer group, but rather the chosen risk transfer method based on consideration of all facts related to the group’s own situation.