Everyone likes having choices – from 31 flavors of ice cream, to the fit of their jeans. Why? Because people have varying needs and preferences. The need for personalization holds true for benefits as well. When individuals, rather than employers, select the type of health coverage and ancillary products that are right for their particular needs and preferences, they can “right-size” their coverage to their situation, saving costs and insuring against the key risks in their lives.
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