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As you can read for yourself in this recent article from the Wall Street Journal, UnitedHealth posted a net income in the 2nd quarter of more than $6.64 billion –about twice what was posted in the same quarter last year. If you are an employer that purchases healthcare for your employees in the “retail” market, those were your premium dollars. Across the country, only 40% of employers access their healthcare “retail”–and this highlights why. Unfortunately, in California 70% of employers are “retail”.

Employers who access healthcare for their employees in the “wholesale” market are reaping the same rewards as large insurers like UnitedHealth. They are retaining unspent premiums and can use them at a time when cash is most needed.

Could it be time for a paradigm shift?

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