A new report by a trade group describes the effect discount dental and vision programs that operate outside of the insurance industry have on millions of Americans.

Roughly 27 million in the U.S. are members of a discount dental or vision program, according to the report by the Consumer Health Alliance, a trade association which represents such programs.

CHA touts discount programs as a simple, affordable way for individuals to save money on routine medical expenses as well as for employers to help their workers obtain services they often avoid due to cost. Discounts are also a way for other membership-based organizations, such as unions or civic associations, to provide a benefit to their members.

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