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Opinion: Five steps to reduce health care costs and improve care

By The Hampton Roads Business Journal  
   November 13, 2018

After working on his own as an independent health care insurance broker for several years, Ryan recently took a job with a bigger brokerage. When he broke the news to his wife that the company he joined did not offer a traditional PPO or HMO insurance plan, she wasn’t thrilled. After all, Americans have been conditioned to these models for years.

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