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According to the author, who is the one that actually pays for employer-sponsored health insurance? Reference: https://www.researchgate.net/publication/249916088_Perspective_Who_Pays_For_Employer-Sponsored_Health_Insurance

According to the author, who is the one that actually pays for "employer-sponsored health insurance"?

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https://www.researchgate.net/publication/249916088_Perspective_Who_Pays_For_Employer-Sponsored_Health_Insurance

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