||Many of my friends consider Caroline Valentine, of Valentine And Associates, the first person to call when they have high-level HR/staffing needs. The last few times we've had lunch, I wished I had a recorder with me. Following a recent conversation about insurance, I wrote some of my questions down, and Caroline responded.
Lynn Bender: Last time we met, you had mentioned several strategies which startups can use to reduce their per employee health insurance premiums. Could you elaborate?