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Healthy Choice

Insurance companies? Who needs 'em?

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This story appears in the March 2000 issue of Entrepreneur. Subscribe »

Looking for a way to manage costs and have greater control over the health benefits you provide your employees? Self-insurance may be a workable alternative.

Self-insuring means you pay health benefits with corporate assets rather than paying a premium to transfer that responsibility to a third party, says James Kinder, CEO of the Self-Insurance Institute of America in Santa Ana, California. He stresses that we're all self-insured to a degree, because no policy covers every possibility, and most include a deductible or co-pay.

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