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A cancer patient receives chemotherapy. (AP Photo/Gerry Broome)

In the wake of rising health insurance costs, employees are paying a higher share of premium for employer-provided health insurance, while simultaneously taking on higher out-of-pocket costs. These expenses can total thousands of dollars per year. This increased financial responsibility by employees, as well as related out-of-pocket expenses associated with a critical medical condition, comes at a time when many families and individuals are struggling with having little to no emergency cash reserves.

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