Collaborative innovation offers the possibility of zero healthcare trend. Why is this important? From the creation of Health Transformation Alliance (50 Fortune 200 employers) to the new Haven venture created by the combination of Berkshire Hathaway, Amazon and JP Morgan Chase, even the largest corporations are realizing the need to join forces with others when it comes to healthcare cost control. For the auto dealer industry, the potential for rising interest rates and new tariffs, collaborative innovation can offer an added expense control hedge for a soft market ahead, e.g. supplemental health group captives.