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As the old saying goes, if it ain’t broke, don’t fix it. However, many people agree that the the U.S. health care system might be due for a major overhaul—or at least a good tune-up.

“The renewal season this year has been challenging,” says Susan Rider, a consultant for Gregory & Appel in Indianapolis. “Carriers in the small-group market are issuing double-digit increases and limiting plan options. As a consultant, it is my responsibility to help ensure decision-makers and their employees understand the benefits that they are selecting to help meet their family’s financial needs.”

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