Health HH|I|L|TH HH|EH|L|T HH|I|L|T insurance I|N|SH|UH|R|AX|N|S IH|N|S|UH|R|AX|N|S I|N|S|UH|R|AX|N|S IH|N|SH|U|R|AX|N|S I|N|SH|U|R|AX|N|S IH|N|S|U|R|AX|N|S I|N|S|U|R|AX|N|S IH|N|SH|UH|R|AX|N|SH I|N|SH|UH|R|AX|N|SH IH|N|S|UH|R|AX|N|SH I|N|S|UH|R|AX|N|SH IH|N|SH|U|R|AX|N|SH I|N|SH|U|R|AX|N|SH IH|N|S|U|R|AX|N|SH I|N|S|U|R|AX|N|SH coverage K|O|V|ER|AX|JH K|AH|B|ER|AX|JH K|O|B|ER|AX|JH K|AH|V|I R|AX|JH K|O|V|I R|AX|JH K|AH|B|I R|AX|JH K|O|B|I R|AX|JH and AX|N|JH retirement R|IH|T|IH|ER|M|AX|N|T R|I|T|A + I|I R|M|AX|N|T R|IH|T|IH|I R|M|AX|N|T plans P|L|A|N|Z P|L|AE|N|S P|L|A|N|S may M|A be B|IH essential I|S|I|N|SH|AX|L EH|SH|EH|N|SH|AX|L I|SH|I|N|SH|AX|L EH|S|EH|N|S|AX|L I|S|I|N|S|AX|L EH|SH|EH|N|S|AX|L I|SH|I|N|S|AX|L to T|O some SH|AH|M S|O|M SH|O|M employees I|M|P|L|AO + I|I|Z EH|M|P|L|U I|I|Z I|M|P|L|U I|I|Z EH|M|P|L|AO + I|IH|Z I|M|P|L|AO + I|IH|Z EH|M|P|L|U I|IH|Z I|M|P|L|U I|IH|Z EH|M|P|L|AO + I|I|S I|M|P|L|AO + I|I|S EH|M|P|L|U I|I|S I|M|P|L|U I|I|S EH|M|P|L|AO + I|IH|S I|M|P|L|AO + I|IH|S EH|M|P|L|U I|IH|S I|M|P|L|U I|IH|S whereas W|I|R|AE|Z W|EH|R|A|Z W|I|R|A|Z W|EH|R|AE|S W|I|R|AE|S W|EH|R|A|S W|I|R|A|S they D|E + I DH|A D|A are U|R not N|U|T important I|M|P|AO|R|T|AX|N|T IH|M|P|U|R|T|AX|N|T I|M|P|U|R|T|AX|N|T to T|O others O|DH|ER|Z AH|D|ER|Z O|D|ER|Z AH|DH|I R|Z O|DH|I R|Z AH|D|I R|Z O|D|I R|Z AH|DH|ER|S O|DH|ER|S AH|D|ER|S O|D|ER|S AH|DH|I R|S O|DH|I R|S AH|D|I R|S O|D|I R|S