Decisions are being made on health coverage that many employers wish they didn't have to make. Employees grumble, but cost containment is the key to survival, so costs are being shared or cut out completely.

That means human resources professionals and company executives are being more selective about what they offer their employees.

HR professionals want to give employees the best benefits package possible. Company presidents, CFOs and CEOs want that, too, but they want to hold the line on costs. Objections come from both arenas, but often are different in scope.

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