Part II: The Employer Health Insurance Redesign Behind UnitedHealth's Artificial Intelligence Pitch, From Variable Copays and Provider Steering to Drug Coverage and Who Actually Keeps the Savings

Employer family premiums hit $28,303 in 2026. Workers’ share rose 9%. UnitedHealth’s answer is variable copays powered by AI. Here is what that actually means.

The core idea: show the worker a specific dollar amount for each facility before they book. If the cheaper option has a real appointment, both the worker and the employer save in the same transact…