It's open enrollment time again.

And with new regulations in place because of health reform, as well as ever increasing health costs, employees can use all the help they can get.

"Employers are making more changes than ever to their benefits plan designs and as a result employees need to take extra precautions to assure that they have the benefits coverage they expect, for a price they can afford, during this year's open enrollment period," says Cynthia Weidner, vice president H&W consulting, HighRoads.

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