An insurer, Applied Underwriters, has been sued by dozens of employers for deceptive practices, allegedly selling products that have not been approved by regulators. Despite California, Vermont, and Wisconsin banning some Applied plans, the insurer insists that its products save employers money and that the terms are always made clear. Bloomberg published an article discussing what Applied’s lawyer is calling an “innovative product,” the company’s early days, and how it has ended up in the position it is in now.

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