I don't have to tell you health insurance premiums are rising at an alarming rate. Employees see it in every paycheck, and with every 5 percent raise they get, there is a 7.5 percent premium increase just around the corner.

So, why have the rates doubled over the last 10 years? And why are they expected to double again in the next six?

The simple answer would be to say that the cost of modern medicine, new and improved technology, and malpractice insurance in our increasingly litigious culture are the culprits. This, however, is only a small part of what is driving up premiums. There are two primary drivers behind the inflated costs of most health insurance premiums.

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