Retail Processing Associate TJXRetail Processing AssociateSaint Petersburg, FloridaResponsible for delivering a highly satisfied customer experience proven by engaging and interacting with all customers, embodying customer experience principles and philosophy, and maintaining a clean and organized store environment. Accurately rings customer purchases/returns and counts change back to customer according to established operating procedures.
Processing Associate TJXProcessing AssociateTampa, FloridaResponsible for delivering a highly satisfied customer experience proven by engaging and interacting with all customers, embodying customer experience principles and philosophy, and maintaining a clean and organized store environment. Accurately rings customer purchases/returns and counts change back to customer according to established operating procedures.
Trust Associate Cummins WorldwideTrust AssociateClearwater, FLYou'll work closely with our Director of Estate Planning and Legacy Services, assisting with estate planning coordination, trust administration support, client communication, legal and tax research, document preparation, and the development of efficient systems that support our expanding Family Office practice. This position is ideal for someone who enjoys research, solving complex problems, learning new concepts, and helping clients protect their families, businesses, and long-term financial goals.
Associate Manager Ralph Lauren CorpAssociate ManagerEllenton, FLThe Company's brand names, which include Ralph Lauren, Ralph Lauren Collection, Ralph Lauren Purple Label, Polo Ralph Lauren, Double RL, Lauren Ralph Lauren, Polo Ralph Lauren Children, Chaps, among others, constitute one of the world's most widely recognized families of consumer brands. Ralph Lauren Corporation (NYSE:RL) is a global leader in the design, marketing and distribution of premium lifestyle products in five categories: apparel, accessories, home, fragrances, and hospitality.
Retail Sales Associate - Tyrone Square The Gap IncRetail Sales Associate - Tyrone SquareSt Petersburg, FLA customer-focused service provider both on and off the sales floor to help deliver an exceptional experience for our customers. You're responsible for engaging and connecting with our customers by providing excellent customer service resulting in brand loyalty.
Retail Sales Associate - Sunset Point 19 The Gap IncRetail Sales Associate - Sunset Point 19Clearwater, FLA customer-focused service provider both on and off the sales floor to help deliver an exceptional experience for our customers. You're responsible for engaging and connecting with our customers by providing excellent customer service resulting in brand loyalty.
Retail Sales Associate (Early Morning) - Sunset Point 19 The Gap IncRetail Sales Associate (Early Morning) - Sunset Point 19Clearwater, FLA customer-focused service provider both on and off the sales floor to help deliver an exceptional experience for our customers. You're responsible for engaging and connecting with our customers by providing excellent customer service resulting in brand loyalty.
Retail Sales Associate - Ellenton Premium The Gap IncRetail Sales Associate - Ellenton PremiumEllenton, FLYoure responsible for engaging and connecting with our customers by providing excellent customer service resulting in brand loyalty. Through collaboration with your leadership team, youll deliver a best-in-class customer experience using an omni-channel approach.
Seasonal Retail Sales Associate - Tampa Premium The Gap IncSeasonal Retail Sales Associate - Tampa PremiumLutz, FLA customer-focused service provider both on and off the sales floor to help deliver an exceptional experience for our customers. You're responsible for engaging and connecting with our customers by providing excellent customer service resulting in brand loyalty.
Retail Sales Associate - Grove at Wesley Chapel The Gap IncRetail Sales Associate - Grove at Wesley ChapelWesley Chapel, FLA customer-focused service provider both on and off the sales floor to help deliver an exceptional experience for our customers. You're responsible for engaging and connecting with our customers by providing excellent customer service resulting in brand loyalty.
NewSenior Tax Associate Spartan PlacementsSenior Tax AssociateTampa, FloridaYou will support a diverse portfolio of individuals, partnerships, S-Corporations, and other closely held entities while building technical expertise and developing into a future leadership track within a collaborative, people-first environment. A growing public accounting platform is seeking a Tax Senior Associate to join its Tampa office as the firm continues to expand through a recent strategic combination with Teeling & Co.
Insurance Defense Associate Attorney, Tampa FL Now Hiring YouInsurance Defense Associate Attorney, Tampa FLTampa, FloridaThrough interaction among our practice groups, our firm provides a wide range of legal services to each client with a continuity of representation across multiple disciplines. The firm' culture has fostered a diverse group of professionals committed to promoting the best interests of our clients, our communities, and the legal profession.
Sales Associate Pacific Sunwear of California, Inc.Sales AssociateTampa, FLOur program PacCares supports and partners with organizations that align with our internal and external initiatives surrounding mental health, diversity, and equality. Handles customer situations in compliance with policy and procedures, attempts to "solve for yes" and partners with the leadership when dealing with escalated issues.
Sales Associate, Part Time Flex, Tampa - Pottery Barn Kids & Teen Williams Sonoma IncSales Associate, Part Time Flex, Tampa - Pottery Barn Kids & TeenTampa, FLAssist customers with special services including: gift wrap, gift registry, locating merchandise, catalog orders, special orders, back orders, charge sends, courier deliveries, and furniture orders. We offer beautifully-designed, stylish and functional products for every area of the home, including the kitchen, living room, bedroom, home office, closet, laundry room and even outdoor spaces.
Visual Associate, Part Time Flex, Tampa - Pottery Barn Kids & Teen Williams Sonoma IncVisual Associate, Part Time Flex, Tampa - Pottery Barn Kids & TeenTampa, FLBe held accountable for the following brand competencies: operates with strategic agility, drives innovation & change, provides influential leadership, communicates effectively, develops self & others, creates teams & partnerships, focuses on the customer, models personal accountability, builds operations excellence & drives execution. We offer beautifully-designed, stylish and functional products for every area of the home, including the kitchen, living room, bedroom, home office, closet, laundry room and even outdoor spaces.
Sales Associate Tampa Prem Outlet Pacific SunwearSales Associate Tampa Prem OutletLutz, FLOur program PacCares supports and partners with organizations that align with our internal and external initiatives surrounding mental health, diversity, and equality. Handles customer situations in compliance with policy and procedures, attempts to "solve for yes" and partners with the leadership when dealing with escalated issues.
Sales Associate Pacific SunwearSales AssociateLutz, FLPacsun is a leading lifestyle brand offering an exclusive collection of the most relevant brands and styles such as adidas, Brandy Melville, Essentials Fear of God, our own brands, and many more. Handles customer situations in compliance with policy and procedures, attempts to "solve for yes" and partners with the leadership when dealing with escalated issues.
AML Onboarding Associate Clear Street LLCAML Onboarding AssociateTampa, FL$95,000–$110,000 / yearThe AML Compliance Associate is responsible for supporting customer onboarding and ongoing due diligence activities in accordance with the firm's Anti-Money Laundering (AML) program, Customer Identification Program (CIP), Customer Due Diligence (CDD) and applicable regulatory requirements. Gather and analyze information collected at account onboarding in accordance with the Firm's Customer Identification Program (CIP) and Customer Due Diligence (CDD) Program requirements and assess customer risk.
Retail Merchandise Associate - Morning Availability TJMaxxRetail Merchandise Associate - Morning AvailabilityTampa, Florida$14–$14.50 / hourResponsible for delivering a highly satisfied customer experience proven by engaging and interacting with all customers, embodying customer experience principles and philosophy, and maintaining a clean and organized store environment. Accurately rings customer purchases/returns and counts change back to customer according to established operating procedures.
Part Time Associates (Weekends) TJMaxxPart Time Associates (Weekends)Oldsmar, Florida$14–$14.50 / hourResponsible for delivering a highly satisfied customer experience proven by engaging and interacting with all customers, embodying customer experience principles and philosophy, and maintaining a clean and organized store environment. Accurately rings customer purchases/returns and counts change back to customer according to established operating procedures.
Merchandise Associate TJMaxxMerchandise AssociateNew Port Richey, Florida$14–$14.50 / hourResponsible for delivering a highly satisfied customer experience proven by engaging and interacting with all customers, embodying customer experience principles and philosophy, and maintaining a clean and organized store environment. USA Marshalls Store 0465 New Port Richey FLThis position has a starting pay range of $14.00 to $14.50 per hour.
Cashier / Merchandise Associate TJMaxxCashier / Merchandise AssociateLand O Lakes, Florida$14–$14.50 / hourResponsible for delivering a highly satisfied customer experience proven by engaging and interacting with all customers, embodying customer experience principles and philosophy, and maintaining a clean and organized store environment. Accurately rings customer purchases/returns and counts change back to customer according to established operating procedures.
Commercial Underwriting Quality Assurance Associate Ryan SpecialtyCommercial Underwriting Quality Assurance AssociateTampa, New York$64,000–$80,000 / yearThis role is responsible for identifying quality concerns, monitoring trends, analyzing root causes, and partnering with underwriting and operational teams to drive corrective actions and process improvements. The Commercial Underwriting Quality Assurance Associate supports underwriting quality, regulatory compliance, and operational excellence by conducting detailed reviews of insurance files, documentation, and business processes.
Sales Associate Ampacity, LLC.Sales AssociateTampa, FLRemote$80,000–$85,000 / yearA proud member of the Quanta Services family of companies, Ampacity, LLC (Ampacity) delivers a forward-thinking approach to structural and electrical solutions for clean energy transition projects. Made up of more than 350 passionate professionals committed to simplifying complexity across the energy value chain, Ampacity empowers customers to build smarter, faster, and more efficiently—with the most reliable technology in the industry.
Client Portfolio Associate - International Equities Franklin Resources IncClient Portfolio Associate - International EquitiesSt. Petersburg, FL$130,000–$150,000 / yearWe also offer a comprehensive benefits package, which includes a range of competitive healthcare options, insurance, and disability benefits, employee stock investment program, learning resources, career development programs, reimbursement for certain education expenses, paid time off (vacation / holidays / sick / leave / parental & caregiving leave / bereavement / volunteering / floating holidays) and a motivational well-being program. The Business Development Group (BDG) partners with Franklin Templeton's Global Client Group to promote and position Templeton Global Investments (TGI) capabilities focused on a robust range of global, international, and emerging market equities while also supporting client service needs.
Branch Sales Associate Carrier Enterprise LLCBranch Sales AssociateFLJob Summary: In the Branch Sales Associate role, you will be the face of our branch, providing exceptional customer service, product knowledge, and support to HVAC/R professionals and contractors who visit our location. Company Description: Carrier Enterprise (CE) is a premier national distributor specializing in residential and light commercial Heating, Ventilation, and Air Conditioning (HVAC) products, parts, and supplies.
GTM Planning Rhythm of Business (ROB) Senior Associate Grant Thornton LLPGTM Planning Rhythm of Business (ROB) Senior AssociateTampa, FL$96,000–$144,000 / yearIn the U.S., Grant Thornton delivers professional services through two specialized entities: Grant Thornton LLP, a licensed, certified public accounting (CPA) firm that provides audit and assurance services ― and Grant Thornton Advisors LLC (not a licensed CPA firm), which exclusively provides non-attest offerings, including tax and advisory services. With $2.7 billion in revenues and more than 50 offices spanning the U.S., Ireland and other territories, the platform delivers a singular client experience that includes enhanced solutions and capabilities, backed by powerful technologies and a roster of 12,000 quality-driven professionals enjoying exceptional career-growth opportunities and a distinctive cross-border culture.
Associate General Counsel - Risk Transfer Solutions Markel Group IncAssociate General Counsel - Risk Transfer SolutionsTampa, FL$116,080–$159,610 / yearThis includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. The ideal candidate must be an excellent writer and communicator, a strategic thinker, have strong analytical skills, significant experience with the review of commercial contracts (specifically Insurance and Indemnity provisions), comfort communicating with other insurers and drafting lawsuits, and a demonstrated ability to manage multiple tasks and priorities.
ESIS Claims Associate Chubb LtdESIS Claims AssociateTampa, FLThe company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally. Contact, interview, and obtain statements (recorded or in person) from insureds, claimants, witnesses, physicians, attorneys, police officers, etc., to secure necessary claim information.
Compliance Testing Associate The Depository Trust & Clearing CorpCompliance Testing AssociateTampa, FLIndustry owned and governed, the firm innovates purposefully, simplifying the complexities of clearing, settlement, asset servicing, transaction processing, trade reporting and data services across asset classes, bringing enhanced resilience and soundness to existing financial markets while advancing the digital asset ecosystem. In 2024, DTCC's subsidiaries processed securities transactions valued at U.S. $3.7 quadrillion and its depository subsidiary provided custody and asset servicing for securities issues from over 150 countries and territories valued at U.S. $99 trillion.
Associate Civil Engineer WSP Global IncAssociate Civil EngineerTampa, FLAny unsolicited resumes, including those submitted to hiring managers or other business leaders, will become the property of WSP and WSP will have the right to hire that candidate without reservation no fee or other compensation will be owed or paid to the recruiter, employment agency, or other staffing service. Critical thinking and problem-solving skills require to apply technical knowledge to reach conclusions from testing results, data collation, statistical analysis and arriving at the most effective, economical, and logical solution.
NewAssociate Manager, Run Club - Champs Sports Foot Locker IncAssociate Manager, Run Club - Champs SportsSt. Petersburg, FL$65,000–$72,000 / yearPartner with cross-functional teams to execute Run Club Omni strategy including Brand Marketing, CRM, Social, Ecommerce, Loyalty, Store and Creative Assist with brand partnerships and post-event reporting to partner stakeholders. The Associate Manager of Run Club Programming & Activations will support the day-to-day execution of the Champs Run Club program, one of the brand's fastest-growing marketing platforms.
Associate Optometrist - St. Petersburg, FL - LensCrafters EssilorLuxottica SAAssociate Optometrist - St. Petersburg, FL - LensCraftersSt Petersburg, FLIf you would like to provide feedback regarding an active job posting, or if you are an individual with a disability who would like to request a reasonable accommodation, please call the EssilorLuxottica SpeakUp Hotline at 844-303-0229 (be sure to provide your name, job id number, and contact information so that we may follow up in a timely manner) or email HRCompliance@luxotticaretail.com. LensCrafters is part of EssilorLuxottica, a global leader in the design, manufacture and distribution of world-class vision care products, including iconic eyewear, advanced lens technology and cutting-edge digital solutions.
Benefits Senior Associate Grant Thornton LLPBenefits Senior AssociateTampa, FL$76,000–$102,600 / yearIn the U.S., Grant Thornton delivers professional services through two specialized entities: Grant Thornton LLP, a licensed, certified public accounting (CPA) firm that provides audit and assurance services ― and Grant Thornton Advisors LLC (not a licensed CPA firm), which exclusively provides non-attest offerings, including tax and advisory services. With $2.7 billion in revenues and more than 50 offices spanning the U.S., Ireland and other territories, the platform delivers a singular client experience that includes enhanced solutions and capabilities, backed by powerful technologies and a roster of 12,000 quality-driven professionals enjoying exceptional career-growth opportunities and a distinctive cross-border culture.
LC0607 Associate Optometrist - LensCrafters - St. Petersburg, FL EssilorLuxottica SALC0607 Associate Optometrist - LensCrafters - St. Petersburg, FLSt. Petersburg, FLAs an Associate of a Subleasing Doctor, Practice Benefits Include: • Professional autonomy to care for patients • Full scope of practice predicated only on your professional discretion and agreement with the Subleasing Doctor (no company imposed restrictions or quotas to meet) • Flexible scheduling available including part-time commitments or the option to add work to an existing practice schedule • Work in a fully furnished office with a full suite of OD equipment; many utilize the latest advancement in digital eye examination technology called Clarifye • Most offices offer use of the Daytona Optomap Digital Retinal Imaging System and have full tech and pre-testing support • Automated on-line appointment book and patient recall system. If you would like to provide feedback regarding an active job posting, or if you are an individual with a disability who would like to request a reasonable accommodation, please call the EssilorLuxottica SpeakUp Hotline at 844-303-0229 (be sure to provide your name, job id number, and contact information so that we may follow up in a timely manner) or email HRCompliance@luxotticaretail.com.
Retail Sales Associate The UPS Store West Platt St #3751Retail Sales AssociateTampa, FloridaThe Retail Sales Associate delivers world-class customer service to all retail customers by receiving and processing packages for courier shipment and operating copiers, fax machines, binding equipment, laminating machines, and point-of-sale devices. The Associate expertly advises our valued customers by providing accurate information on our array of products, services, and best-value options and exhibits confidence by knowing best practices related to the industry.
Associate Strategic Client Executive, Rx Solutions Marsh & McLennan Companies IncAssociate Strategic Client Executive, Rx SolutionsTampa, FLIn Collaboration with its leadership The Associate Strategic Client Executive Rx Solutions will support the sales process and serve as the main point person for the MMA field offices on post-sale implementation and ongoing client support as it relates to pharmacy management. With offices across North America, we combine the personalized service model of a local consultant with the global resources of the world's leading professional services firm, Marsh (NYSE: MRSH).
Merchandise Operations Associate Saks Global Enterprises LLCMerchandise Operations AssociateTampa, FL$17.05–$21.32 / hourIt is known for creating the Neiman Marcus magic through exceptional customer experiences including the Neiman Marcus Awards, Fantasy Gifts, seasonal campaigns, and "Retail-tainment" initiatives. Neiman Marcus has a rich history as a brand builder, bringing together the world's top luxury designers and customers to foster a dedicated following for generations.
Client Service Associate (Tampa, FL) Oppenheimer Holdings IncClient Service Associate (Tampa, FL)Tampa, FLWith roots tracing back to 1881, the Company is engaged in a broad range of activities in the financial services industry, including retail securities brokerage, institutional sales and trading, investment banking (both corporate and public finance), equity & fixed income research, market making, trust services and investment advisory and asset management services. The primary responsibilities include servicing clients, marketing, scheduling, prioritizing meetings, managing database, general organizational support, as well as client interaction.
Sales Associate-ANN KnitWell GroupSales Associate-ANNLutz, FloridaOur effortlessly polished styles are thoughtfully designed to go anywhere—from the office to special occasions (and everywhere in between).Discover a culture centered on empowering employees, with access to industry leaders and tools you need to expand your skills and stretch your abilities. Use technology to stay informed on company priorities and promotions and provide customers with a seamless omnichannel shopping experience by utilizing available tools.
Sales Associate J CrewSales AssociateLutz, FL$14–$15.52 / hourThe base salary offered will take into account internal equity and may vary depending on the candidate's geographic region of work premises, job-related knowledge, skills, and experience among other factors. Assist in operational and product driven store tasks assigned by the management team while acting in a manner that aligns with our brand values.
Associate General Counsel - Risk Transfer Solutions Markel CorporationAssociate General Counsel - Risk Transfer SolutionsTampa, FL$116,080–$159,610 / yearThis includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. The ideal candidate must be an excellent writer and communicator, a strategic thinker, have strong analytical skills, significant experience with the review of commercial contracts (specifically Insurance and Indemnity provisions), comfort communicating with other insurers and drafting lawsuits, and a demonstrated ability to manage multiple tasks and priorities.
Part-Time Community Associate International Workplace Group PlcPart-Time Community AssociateTampa, FLTo your excitement, the Community Manager is coming around the corner with a prospect (someone interested in joining the IWG community), you share a few details about what makes this space so amazing for your customers and encourage them to join the network soon so they can participate in next week's networking event - then you head back to finish putting up your posters. As a Community Associate, you'll work closely with new and existing customers across a myriad of industries, working to create and maintain your own community within your center, where you will help take care of all the administrative and support needs for your customers…so that your customers can focus on running their business.
NewTax Credits & Incentives Advisory Senior Associate - R&D Cherry Bekaert LLPTax Credits & Incentives Advisory Senior Associate - R&DTampa, FL$83,700–$135,400 / yearIn addition, we offer a comprehensive, high-quality benefits program which includes annual bonus, medical, dental, and vision care; disability and life insurance; generous Paid Time Off; retirement plans; Paid Care Leave; and other programs that are dedicated to enhancing your personal and work life and providing you and your family with a measure of financial protection. Understand common software development methodologies, programing concepts, architectural design patterns, and popular computer software terms, such as programming languages, backend database schema, messaging ques and techniques, etc.
Store Associate U.S. Department of DefenseStore AssociateFL$17.82–$24.16 / hourWithin the best qualified category, candidates are referred in the following order: adjudicated veterans preference candidates with 10-point preference, adjudicated veterans preference candidates with other than 10-point preference, military spouse preference candidates, and candidates with no preference. Store Associates work either independently or as part of a team in any assigned retail area of a commissary store within the Defense Commissary Agency (DeCA) system, performing a variety of duties including handling, preparing, and stocking grocery and produce items, and checking-out customer purchases.
Brokerage Registered Client Service Associate - location options - Tampa or St. Petersburg, FL Truist BankBrokerage Registered Client Service Associate - location options - Tampa or St. Petersburg, FLTampa, FloridaGeneral Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Assist Financial Advisors in servicing clients including preparing financial plans, conducting investment research and completing client trades and transactions.
Front Desk Associate - The Hotel Zamora Sherman AssociatesFront Desk Associate - The Hotel ZamoraSt. Pete Beach, FLBesides relaxing in the beautifully appointed guest rooms, our guests experience intuitive service in our Rooftop Lounge, Sidewalk Restaurant, Private Dining, and Meeting/Banquet space. With stunning views overlooking the Intercoastal Waterway and Gulf of Mexico, the Hotel Zamora provides a luxurious retreat for its guests.
Associate Estimator STO Building GroupAssociate EstimatorTampa, FLHeadquartered in Salt Lake City, Utah, Layton operates from 16 strategic offices across the United States, employing more than 1,500 construction professionals who serve diverse markets including healthcare, education, commercial office, industrial, hospitality, and multi-unit residential. Founded on the core values of honesty, unity, safety, and quality, Layton has built a reputation for excellence in complex project delivery while maintaining strong partnerships with clients, architects, and trade partners nationwide.
Associate Center Clinical Director ChenMedAssociate Center Clinical DirectorClearwater, Florida$238,832–$341,189 / yearLeads Super Huddle (SH) and Transforming Care Meeting (TCM) weekly, as well as supports Center Manager/Center General Manager center clinical leader and/or market clinical leader is not available, based on guidance from Market Chief Medical Officer. For patients that are unable to come to the office—in hospital, SNF, LTC or homebound, engages with the transitional care team and others including case managers, acute and transitional-care physicians, and other resources that may be available depending on the market.
ADMINISTRATIVE ASSISTANT I - 72001278 1 Government of FloridaADMINISTRATIVE ASSISTANT I - 72001278 1LARGO, FLOur Organization and Mission: Under the direction of Governor Ron DeSantis, Secretary Tom Berger and DMS' Executive Leadership Team, the Florida Department of Management Services (DMS) is a customer-oriented agency with a broad portfolio that includes the efficient use and management of real estate, procurement, human resources, group insurance, retirement, telecommunications, fleet, and federal property assistance programs used throughout Florida's state government. The Benefits of Working for the State of Florida: State of Florida employees enjoy top tier benefits offerings including comprehensive health coverage to meet the needs of you and your family while maintaining low deductibles and low monthly out-of-pocket contributions.