When Lynn Frost started vetting potential health plans to offer employees at Ghost Armor International she wanted a plan that was “flexible and affordable and didn’t limit the employees’ ability to choose their own provider too much.”

Frost, president of the Phoenix-based company that produces protection for hand-held devices and electronic gadgets, was hoping to install a health benefit where none had previously existed, as it had grown dramatically since it was founded in 2007 and now has 100 corporate employees. Ghost Armor International was formed by three young entrepreneurs in their 20s, and by 2009 was a multi-million dollar business. Its employee population is active and relatively young with an average age of 44, so Frost wanted a product conducive to their needs.

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