The article explains practical ways employers can reduce healthcare costs while still offering quality benefits. Strategies include shifting to plans with higher deductibles paired with Health Savings Accounts (HSAs) to lower premiums; educating employees so they use benefits more cost-effectively (e.g., choosing urgent care over ER when appropriate); and offering telehealth services to reduce visit costs. Employers can also create wellness programs that encourage healthier behavior and potentially fewer claims, support work/life balance to reduce stress-related costs, and consider supplemental healthcare assistance programs that manage chronic conditions. Reviewing and adjusting deductibles and copays based on employee usage helps tailor plans, and negotiating with insurers can lead to be

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