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Whole Foods Market (WFM) started out in 1980 as one store with nineteen employees in Austin, Texas. Today, with 370 stores and 54,000 employees in North America and Great Britain, its the leading natural and organic foods supermarket (and ninth-largest food and drug chain in the United States). Along the way, it has also gained a considerable reputation as a socially responsible company and a good place to work. WFMs motto is Whole Foods, Whole People, Whole Planet, and its guiding core value, according to co-CEO Walter Robb, is customers first, then team members, balanced with whats good for other stakeholders. If I put our mission in simple terms, Robb continues, it would be, No. 1, to change the way the world eats and, No. 2, to create a workplace based on love and respect. WFM made Fortune magazines very first list of the 100 Best Companies to Work For in 1998 and has routinely appeared on the list ever since. Observers have acknowledged the companys growth (which means more jobs), salary-cap limits (the top earner gets no more than 19 times the average full-time salary), and generous health plan. The structure of the companys current healthcare program, which revolves around high deductibles and so-called health savings accounts (HSAs), was first proposed in 2003. Under such a plan, an employee (a team member, in WFM parlance) pays a deductible before his or her expenses are covered. Meanwhile, the employer funds a special account (an HSA) for each employee, who can spend the money to cover health-related expenditures. The previous WFM plan had covered 100 percent of all expenses, and when some employees complained about the proposed change, the company decided to put it to a vote. Nearly 90 percent of the workforce went to the polls, with 77 percent voting for the new plan. In 2006, employees voted to retain the plan, which now carries a deductible of around $1,300; HSAs may go as high as $1,800 (and accrue for future use). The company pays 100 percent of the premiums for eligible employees (about 89 percent of the workforce). High deductible plans save money for the employer (the higher the deductible, the lower the premium), and more importantlyat least according to founder and co-CEO John Mackeythey also make employees more responsible consumers. When the first $1,300 of their medical expenses comes out of their own pockets (or their own HSAs), he argues, people start asking how much things cost. Or they get a bill and say, Wow, thats expensive. They begin to ask questions. They may not want to go to the emergency room if they wake up with a hangnail in the middle of the night. They may schedule an appointment now.Footnote