Stethoscope on money (Photo: Shutterstock)

“Why do I even have health insurance?” This is a question frequently asked by hard-working Americans who notice a significant portion of their pay being deducted for health benefits, yet still have additional costs when they go to the doctor or pick up their prescriptions.

In the current health care economy, employers at the mercy of large carriers are often faced with increasing premiums and deductibles and may feel helpless in easing the financial impact of health care on their employees.


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