A professional goal kicker, in Rugby, hits about 70%. Johnny Wilkinson, when not injured, hits about 85%.
That's the same percentage that you have when applying for insurance online. 15% of applicants are declined.
Now, employers are seeing another rate increase, and may drop group health coverage, despite it's unfair tax advantages for the Employees.
So, here's what you do: Work with an agent, be smart, and buy your own health insurance.
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