UnitedHealthcare, the nation’s largest health insurer, has anovel idea to cut costs: Give people more stuff for free.

The company has set up a subsidiary firm, Harken Health, thatgives its members access to unlimited primary care services. Beyondvisits to the doctor’s office, members have access to a 24-hourhelp line, a personal health coach, psychological counseling, andclasses on fitness andnutrition. All for free.

So far Harken only operates in Atlanta, where it has sixclinics, and Chicago with four.

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