If you're like many, revenues are down and one of your biggest immovable cost centers is employee benefits. Our guest teaches about one tool to reduce those while also saving your employees money by switching your team to a high deductible health insurance plan. Jeff Weiner has been the principal at HKM Associates (http://hkmassociates.com/), an employee health and retirement benefits firm, for almost four decades. He explains how the skyrocketing health insurance costs over the past several years have set the stage for the use of high deductible plans, which, when combined with $500 in an HSA and up to $7,000 pledged towards employee health costs,can save employers an average for $4-7k per year per employee and save employees several thousand per year as well - more if they have higher claims. Jeff also organizes a now-nationwide lunchtime facilitated networking group called The Roundtable Networking Group, which you can learn about on his website if you're interested. He is also raising money for the Leukemia and Lymphoma Society in honor of his daughter thankfully being cancer free for eight years. You can donate to that at: https://pages.lls.org/mwoy/li/li20/msmith.