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Health insurance and medical savings accounts Health Insurance vs Medical Savings Accounts are tools people use to manage their healthcare costs. ASelf-Funded vs Fully Insured Erisa plan means the employer pays for employee benefits directly, while a fully insured ERISA plan involves purchasing insurance coverage for employee benefits. Flexible Health Insurance Plans vs Fixed Benefit Plan cover many illnesses and treatments broadly but can be complex to claim. In the insurance worldCaptive Insurance vs Micro Captiv businesses often look at different ways to manage risks to avoid losing money