What strategy can Fresh Munchables employ to maintain quality health insurance while minimizing overutilization of benefits?

Increasing the deductible employees pay for services is an effective strategy for maintaining quality health insurance while minimizing overutilization of benefits. By raising the deductible, employees are encouraged to be more judicious about when they seek medical care since they will have to pay more out-of-pocket before insurance coverage kicks in. This can lead to more thoughtful decision-making about healthcare usage, where employees assess the necessity of services based on cost and need.

Moreover, higher deductibles can contribute to lower premium costs for the employer, making the overall health insurance plan more affordable while still providing essential coverage. This way, Fresh Munchables can offer their employees a comprehensive healthcare package without experiencing excessive claims that could drive up costs due to overutilization.

This approach strikes a balance between providing valuable health benefits and managing expenses effectively. Therefore, it supports both employee health and the company's financial sustainability.