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Your employer does not have to give you health insurance (depending on size etc...) In fact, you will see many small (and perhaps larger) businesses in 2014 opt out of providing health insurance to employees. They will take the penalty and use the savings to be more competitive in their markets.
Employees can be helped by experienced brokers since we can shop for them and find the best options.
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Employees can be helped by experienced brokers since we can shop for them and find the best options.