title: During economic downturn, diversity relieves the pain.
authors.forename: Martin
authors.initials: M
authors.lastname: Sipkoff
mesh_terms: D005376:Financial Management / Q000379:methods*; D006264:Health Benefit Plans, Employee / Q000191:economics* / Q000639:trends; D006801:Humans; D007348:Insurance, Health / Q000191:economics* / Q000639:trends; D007449:Investments / Q000639:trends; D008329:Managed Care Programs / Q000191:economics* / Q000639:trends; D020402:Medical Savings Accounts; D014481:United States