Great to have you here on the Clark Howard Show. It's about you learning ways to keep

more of what you make. I saw the craziest story about Comcast in the New York Times, the

huge cable monopoly. Comcast spends now to provide health coverage to its employees 1.3 billion

dollars a year. I mean that is a massive expense. But Comcast has implemented a program unlike any

other employer has done and their health care costs are not going up at all. Their employee out of

pocket deductible has dropped to $250. And I think about how many employers have deductibles for

employees that are in the thousands now. So here you have and the whole idea of going to the

high deductibles. And I was somebody who thought it too is that people would be more careful when

they got medical care if they knew they were paying a big chunk themselves. But what Comcast decided

and what's been amazing is that they five years running have had no increase in health care

costs. And how they've done it is not by denying employees care. But by the company itself

helping people manage their own health care. And so every employee has something called

a navigator. And that employee helps somebody shepherd through the medical system. And they have

a thing for second opinions. And instead of just saying, Oh, you should go seek a second opinion.

They have an entire formal process to get you to the right kind of specialist for that second

opinion. They also were very early and doing video calls where employees could talk with the doctor

on demand. And so they've been able instead of increasing the use of high cost medical care.

They've been able to decrease it by getting people the right care. And again, this is a one-sided

story. This is a profile on what they've done to bend the health care cost curve. But I'd say from

my perspective, one of the big problems, I don't think employers should be involved in health care.

I think it should be an individual thing. And I think it's an accident of American history

that so many Americans get their health care from their employer. And so we're separated from

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