Yep, 100% agree. If you've ever worked in a small organization (~50 employees), it's amazing how much money, time and energy is spend on health insurance. Eve

Yep, 100% agree. If you've ever worked in a small organization (~50 employees), it's amazing how much money, time and energy is spend on health insurance. Every single HR person in the country needs to be an expert on these esoteric insurance edges or you get taken for a ride and your employees and balance sheet suffer.