Have you considered contracting directly with self-insured health plans to treat musculoskeletal conditions or provide wellness services? In November 2020, the National Business Group on Health identified low back pain as the single leading cause of disability globally and reported that musculoskeletal conditions are the top driver of health care costs for large employers. This vast market offers many opportunities for enterprising physical therapists, but first you should become familiar with self-insured plans and how they operate.