Fortunately, all hope is not lost. Health Carriers are starting to realize the strain that high health premiums are putting on America’s small businesses. In an effort to decrease the health benefit burden Health Carriers are rolling out new benefit options such as Hybrid and High-Deductible plans in addition to EPO and PPO plans. These plans do not by any means have rock bottom, bargain basement prices, but the savings from a traditional HMO can be very significant.