This is an exciting time for the employee benefits industry.

The Patient Protection and Affordable Care Act has precipitated a new appreciation for voluntary benefits and a spike in enrollment. Businesses are enhancing their benefits packages to offset rising health-care costs and to allow employees to fill the gaps left by high-deductible health plans.

Employees are taking a more active role in decisions about coverage. Carriers and brokers are responding with customized products and platforms that ease administration and cost for employers; and that assist employees in the decision-making process.

As an industry we now have the opportunity to pause, take a collective breath, and focus on the future of our business.

While the landscape of employee benefits is continually changing, the industry's message to the market has remained relatively static. Healthcare costs are rising. Emergency savings accounts are shrinking. Employees are shouldering greater accountability and risk. We can provide products to help.

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Voluntary Benefits
Consumer Driven Health Care
Employer-Paid