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In 2005 Med-A-Vision introduced a health insurance model that lowered premiums and out-of-pocket cost maintaining first dollar benefits to employees. Today Med-A-Vision serves over 185 companies and 6,000 people in Maine. Med-A-Vision clients have learned it is more cost efficient to pay small claims than large premiums for lower deductibles. The data collected from the actual employee and dependent claims in 2014 -2015 against $5,000 – $6,000 deductible HSA compatible plans is the bases for this model.