| http://www.w3.org/ns/prov#value | - The problem of higher out-of-pocket costs for individual health plan members is well-documented. ???Companies anticipate that employees??? out-of-pocket expenses will rise to 18% of total allowed charges in 2012,??? the National Business Group on Health noted. ???Altogether, the share of total healthcare expenses paid by employees, including premium and out-of-pocket costs, is expected to be 34.4%
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