07/23/2026
Jack and Jill went up a hill.
Both came down with a $5,000 deductible—and who knows how much coinsurance.
Two employees can have the same accident, the same medical plan and two very different financial outcomes.
Health insurance helps pay the provider. Safety-net benefits can put money directly into the employee’s hands for deductibles, treatment and lost income.
The question isn’t only, “Do we offer benefits?”
It’s, “Can our employees afford to use them?”