While health care inflation has slowed in recent years, it stilloutpaces actual inflation. This helps explain why many employerscontinue to pass benefits costs onto employees.

But passing costs onto employees does not necessarily meanefficiency.

The steep cost of emergency services can cause considerablefinancial strain for high-deductible plan enrollees. What’s more,multiple unnecessary ER visits would quickly exhaust deductibles,at which time high-deductible plans would kick in. That would meanavoidable plan costs potentially driving higher premiums nextenrollment season.

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