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In today’s world, when access to medical coverage is on the political chopping block every week and there are many questions about what health insurance will look like in a few years (much less in the weeks to come), I believe the near-term trajectory of employer-sponsored medical insurance will be much less dramatic. Most employers will choose to “stay the course,” rather than tweak plan designs by moving deductibles and copays up or down. And forgoing the opportunity to make big changes will likely earn them some employee loyalty points — at least in the short term — given the uncertainty on health care coming from Washington, D.C.  

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