A few weeks back we hosted our annual New Year's Day brunch for a few neighbors. The recent experience of one of my neighbors pointed out that even when an employer is picking up most of the tab for your health insurance premium, a pricier plan doesn't always turn out to be the best choice. Here's Joanne's (not her real name) story:

Joanne had opted for what she thought would be the best coverage her employer offered: one with a deductible (for the "big" things) and copays for certain services...
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