Most business owners scrutinize a $100,000 truck purchase far more closely than a health plan that will cost far more over the same period. The difference is not carelessness — it is that healthcare is one of the few major corporate expenses where the buyer has almost no visibility into pricing or where the money goes. Mike Otis, Vice President of Employee Benefits at Palomar, lays out the four kinds of access an employer needs to manage healthcare the way they manage every other line item.