According to a recent Wall Street Journal article (http://www.wsj.com/articles/companies-form-health-insurance-alliance-1454633281) twenty major companies are banding together to use their collective data and market power in a bid to hold down the cost of providing employees with healthcare benefits. Essentially companies the likes of Coca-Cola, American Express, and Verizon are admitting that they may not be able to continue to provide health benefits unless they dramatical