Candid Talk From Both Sides of the Health-Care Issue An employee and an HR exec at a Midwestern financial services company spar over the cost of health-care coverage.

Employee X: What Choice Did I Have

Sure, I went to the annual meetings where they explained our health care.I listened carefully. But keep in mind that my company has changed this stuff three times in three years, and I had just figured out our last insurer.

But they told us that switching insurers would lower the costsfor employees and the company: My monthly premiums were going to go down $20 to $30, which sounded good, since health coverage for me and my son is a big expense--$360 a month.