Why it Works
1. (50%-70%) won't use their health plan or use it so little that it is of no significance.
2, A small group seldom uses the plan except for a sprain, Rx or some other incidental treatment.
3. A very small percentage (4%-7%) may use a great deal of health care for chronic condition, an accident, a pregnancy, etc.
The 4%-7% who use the plan do not impact the potential savings.