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Get with the health-care savings programs!

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This story appears in the March 2004 issue of Entrepreneur. Subscribe »

If you're not providing coverage for your employees because of the high cost, consider a health-care savings program as an affordable alternative to traditional . These programs use the same types of provider networks that insurance companies do, negotiating prices and passing on the savings to their clients. Some also maintain escrow accounts to pay participants' medical bills.

"When people have to pay for their own medical care, this is a way to get it at a much better rate," says Judith Henkels, president and CEO of Care Entrée, a Grand Prairie, , company that offers noninsurance solutions to health-care costs.

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