title: Whatever happened to insurance? More small companies retain risk.
authors.forename: John
authors.initials: J
authors.lastname: Carroll
mesh_terms: D003669:Deductibles and Coinsurance; D017049:Employer Health Costs; D006264:Health Benefit Plans, Employee / Q000639:trends*; D015271:Insurance Pools; D012306:Risk; D014481:United States