To save money on health insurance premiums, a company that employs fewer than 50 people, most of whom are under the age of 30, should think about changing a highlevel, first-dollar group hospitalization plan to one with a front-end deductible and a built-in stop loss (the point at which the employer or employee no longer must pay experises as a co-insurer). The difference in premium costs can be used under a medical reimbursement plan. As the employees incur claims, they are reimbursed with money that has been saved. --