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As the health care recipient is not directly involved in payment of health care services and products, they are less likely to scrutinize or negotiate the costs of the health care received. The health care company has popular and unpopular ways of controlling this market force.

U.S. limits how much premiums can vary due to a small group’s health status and industry. Even within these limits, however, premiums can be significantly higher if someone in your small group has a serious health condition or if the group is considered a high-risk industry. In addition, premiums can vary based on age and other characteristics of those in your group.