This week, as many businesses find out what they’ll pay for health insurance next year, Gene Marks and Loren Feldman talk about how businesses can save money. Gene explains why self insurance has become more feasible for smaller businesses and why he thinks it makes sense to offer employees better health coverage instead of a pay increase. Also, it’s probably time to revisit your workplace drug policies. And Gene and Loren discuss why the concerns of small businesses often get overshadowed by those of big businesses.