Hand reaching out from papers While shopping around for care is critical to reducing out-of-pocket costs, it can feel overwhelming for those not used to doing it. (Image: Shutterstock)

With health care costs continuing to rise, today's consumers need to make smarter health care decisions to ensure they receive the care they need at a price they can afford. Unfortunately, most American consumers lack an understanding of health care, their own health plans, and how to effectively "shop" for health care coverage and services. This inability to make educated choices costs employees—and their employers—millions in unnecessary costs each year.

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