Reply #5: I wasn't totally sold but it does probably factor some, even if small

[Crazy Dave]

The healthier workforce and definitely happier as workers don't have to pay or worry about high premiums, deductibles or not getting treatment at all because the insurance will only pay 80% and the hospital won't do anything until you pay the other 20% up front. My wife and I both have separate policies through our different companies. Mine is pretty good and lower cost, she works for a Dodge dealership and her premiums are high, her deductibles are high and the list of what the insurance won't pay for anymore is even higher. If I added her to my policy where I work, my premiums would go up about 80% for dependant coverage. About what we pay anyways. We've already paid out $300 alone this month, not counting premiums on deductibles and for costs that the insurance wouldn't pay for. That's with insurance.