There is a sixth way to trim health-care costs: employee health screening.

Few employers have knowledge of this type of program, which screens employees, not just executives The results of companies that have used these programs are startling. One local company reduced its workers' compensation claims by 53.4% and the cost of its medical insurance by 68.4% in just one year with a single screening program.

The cost of occupation-related illness and injury alone is 1% of the gross national product, or $240 per worker. The typical screening costs the employer $50 to $60 per employee. This fee would be returned in the premium reductions offered by major insurance companies based on the results of such a program.