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With the implementation of the Affordable Care Act there has been a shift by smaller business owners in their approach to their group benefit offerings. Many employers have been struggling with the decision of which benefits to offer their employees, in order to remain competitive in the marketplace for quality employees, and in order to maintain fiscal responsibility for their company. Ancillary benefits like group dental, vision, and life offer an affordable way to give employees access to valuable benefits that most everyone can use. These lower cost benefits help employers retain key employees and provide tangible benefits to your workforce.