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In its most simple form, the role of a benefits broker is to help individuals, especially employers, navigate the murky waters of health plan purchasing.

Some brokers have been able to steer clients toward calmer waters where year-over-year spending has decreased or stayed stagnant, but others have unfortunately sailed them right into the eye of the storm, where premiums increase anywhere from 5 percent to 20 percent per year with no additional perks.

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