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Year over year, we have seen a significant rise in costs when it comes to health care, and it's taking a toll on employers and employees everywhere. There are a number of factors linked to the increase, including supply shortages, inflation and mounting costs associated with clinical staff, but also, more Americans are being diagnosed with chronic illnesses, according to the National Library of Medicine. Chronic illnesses affect half of the population, and the care needed to treat these conditions accounts for more than 85% of health care costs. Those with chronic conditions may only make up 1% of a company's population, but they can account for up to 40% of its costs.

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