Stacks of coins Many states are implementing policies that let health plans share in any savings they can demonstrate, providing motivation to address factors such as literacy and poor housing, which can drive up health costs. (Photo: Shutterstock)

Emilia Ford became pregnant at 15 and, after her daughter was born, dropped out of high school.

As she held down different jobs during the past decade — including housekeeping and working in a relative's retail store — she always thought about going for her GED to show she met high school academic skills.

But the Brookhaven, Pa., woman needed assistance finding tutors and paying for the set of four tests, which cost $20 each.

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