I manage healthcare benefits for the small company I work for, which means every year I get to try and figure out how to get the most bang for the buck in our healthcare benefits, despite the annual increases in our insurance premiums.
I sort of get to balance out the desire to make sure I get decent coverage, with the need to maintain the bottom line.
The longer I do this and the more helpless I get regarding having any control in beating back the inevitable rate hikes, the more I start getting into a "life boat" view of benefits: to keep high risk people of our plan is better for the rest of us.
I realized how much I've embraced the "life boat" view recently, when one of our employees said he had triplets. More below the fold.
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