Amid all the upheaval in the health care industry in recent years one constant has remained: health care costs keep rising. The Band-Aid solution has been to cut back on insurance benefits while also pushing more costs onto employees, but it's getting harder and harder to cover the wound.

Today's most successful brokers are the ones who are looking for new ways to keep costs low, rather than just a quick fix to hold them over for the year.

Here are some ideas to get you thinking >>>

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