If it's not covered, there's not much you can do.

This is kind of the easiest thing out there to do and obviously it's not getting done as much as it could be.

Employers are beginning to exclude more services from that maximum.

No thank you. I suffer from anorexia.

Health care is becoming less affordable every year. We'll continue to have to worry about whether lower-wage and even moderate-wage workers will continue to get good benefits through the workplace.

The good news is that it's a slower rate of increase than last year. But it's still substantially higher than where wages are going.