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The cost of health care coverage continues to climb. For most firms, this means a further attack on the bottom line. Solutions are available, but too often they mean a reduction in benefits or shifting an ever-larger share of premium costs to the firms' employees. What if firms had a way to provide the same benefit protections, but at a lower cost to both the firms and their employees? Combining a high-deductible health plan with health savings accounts can do just that.
High-Deductible Health Plans
Most major insurers offer a choice of coverage programs, including long-popular indemnity plans, HMO plans and, more recently, high-deductible health plans. While premium costs for indemnity and HMO plans have increased significantly in recent years, some firms have achieved major savings by implementing a high-deductible health plan.
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