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Consumers are confused, concerned, and uncertain about their health insurance and financing needs. Companies should listen to them. In the quickly changing health care financing sector, decision-making power and financial responsibility increasingly fall to individuals instead of companies. Partnerships across sectors - between health care providers and financial-services players, for example - could establish networks to provide guidance on the complicated decisions facing consumers. Companies can serve them during major events at various stages of their lives by providing clear, highly relevant information; health care providers can supply counsel during medical events. Financial-services players might bundle new health care offerings with more traditional products, such as retirement savings.
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