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1. Look, as a small biz owner, health insurance feels like a never-ending headache. Every year the premiums go up, sometimes by crazy amounts, and the coverage options don’t get any better. It’s like we’re stuck paying out a ton and getting less in return HMO vs PPO for employees
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Look, I run a small shop, and what really helped was joining a local trade association—they offer group health plans with way better rates than going solo. Also, check out an HRA; it’s a lifesaver for reimbursing employees tax-free. Saved us a ton! https://rentry.co/szafx8yh
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