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John Schmitt opted to self-fund his employees' medical claims, and saw his company health insurance costs drop 20 percent. John Charles Schmitt II , who heads up Plans for Professionals, a 300-person life insurance firm in Orange, Connecticut, used to work with Connecticut Blue Cross and Blue Shield to cover his employee health insurance costs. But as premiums rose and new healthcare guidelines started to come into effect, even Schmitt—who played ten football seasons with the Jets, won the 1969 Super Bowl with quarterback Joe Namath and had 16 operations due to football injuries—became nervous.
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