While the nation’s minimum wage was recently raised to $6.55 per hour and is scheduled to go up again in 2009, there’s no denying that it’s virtually impossible for employees in this income bracket to afford major medical health insurance. For these individuals — and a growing class of middle-income wage earners — limited medical plans can be the answer to their health insurance woes.

Let’s face it, most employee benefits professionals are not salivating over the premium potential that exists in the low-wage marketplace. This got me thinking — which benefits work for this demographic and what are brokers missing?

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