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Given the rising costs of employee health-care benefits, companies are increasingly seeking ways to trim expenses. Most employers offering health insurance coverage shoulder 70 percent or more of the tab, which rises annually. Health-care costs are projected to grow an average of 6.7 percent annually between now and 2017.

When examining insurance costs, risk managers often discover that one of the biggest line items is employee health-care coverage. In many organizations, employee benefits are within the risk manager’s responsibility. In other firms, this duty either falls to the human resources manager or represents a shared responsibility.

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