If you have clients who have recently adopted high-deductible health plans with health savings accounts, now is not the time to relax. Educating employees about HSAs should continue after the end of open enrollment and well into the new plan year.

Here's why: Many employees have spent years making copayments at the doctor's office or pharmacy without being aware of their total medical costs. Those who are new to HSAs and HDHPs may be confused about how to manage their health care spending. Often, human resource managers are also learning about HSAs right along with the employees they serve.

Encouraging and supporting your clients in ongoing communications can help employers achieve higher employee satisfaction. And you'll demonstrate your value as a trusted broker and resourceful adviser.