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Wonder why it’s so hard to “bend the cost curve” in health care? Look no further than the universal freakout over AOL Inc. chief executive officer Tim Armstrong’s recent remarks.

For those who haven’t been following along at home, a recap: Last week, AOL Inc. announced that it was changing the way it handled its 401(k) match. Instead of putting the matching money in as workers put in their contributions, it would award the account-match dollars in a lump sum at the end of the year. Moreover, if you left the company during the year, you’d lose all of your matched funds.

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