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When you make the move to a self-insured model, health care starts to feel a lot more like other parts of your business. (Photo: Shutterstock)

Benefits are typically the largest expense item in a company’s budget next to payroll. Traditionally, managing the benefits budget hasn’t been like managing other business expenses, as employers have had little to no transparency into these costs. While most employers would be averse to accepting annual increases of 10 or 15 percent on other business expenses, they have never been able to apply the same level of scrutiny to their health care spend.

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