In 2010 2010, the survey bottom is beginning to follow their lead and ‘close the gap’, explains McLaughlan. They have wellness-driven strategy designs, smoker and spousal surcharge strategies. The Survey analysis includes a Total Cost Ratio evaluating what Michigan employers and workers are paying in total for PPO, HMO or CDHP coverage this year 2010. The 2010 Total Cost Ratio for a median PPO plan for a person was $580 monthly of which the company paid 57 percent or $329 in premiums and the worker paid 43 percent or $251, a combined mix of payroll deduction , deductibles and co-pays .If you like better-smelling remedies, massaging the face with lemon skin offers shown effective also. Garlic and toothpaste dabbed on pimples can also work overnight if you’re in a hurry. Most of all, just maintaining your pores and skin clean by washing at least a day might help prevent the onset of zits twice. Over-the-counter options If pimples have already developed into pustules , a less-than-basic treatment is already in order. Most topical acne remedies are available over the counter. Some of these are topical antibiotics and antibacterials. The most used antibacterials for acne are the ones that contain benzoyl peroxide popularly; while antibiotics, like tetracycline and erythromycin, are recommended if the pimples is infected already.