When open enrollment ends and every employee has checked a box for a health plan, is the broker or agent's job finished? Should the employer be satisfied after this flurry of activity? Is the employee motivated to make better health decisions?

Not really.

The true challenge of health care runs the rest of the year. An employee could get a diagnosis of diabetes or heart disease leading to lifelong worries and rising costs. Smoking, eating or stress-driven behaviors could degrade individual health. And lost productivity due to illness could cause bottom-line damage to the employer's financial performance.

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