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I much appreciate your comprehensive reply and referenced information.

You hit the nail on the head with respect to employer-provided healthcare.

Over the past five years, my *Fortune 100* employer has continued to chip away at health care benefits to the point where company benefits are now roughly comparable to those offered by small businesses.

At the same time, retiree benefits have wittled away to next to nothing.

IMO, the writing is on the wall.

It's enough to cause me consider changing employment.


MG
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