Health care can be the most financially draining item during retirement — yet it's a fact of life most employees don't adequately plan for. It is estimated that a couple in retirement will spend approximately $220,000 on health expenses according to Fidelity Investments.

That's a huge burden and one that people should start planning for early. Empowering employees to save money for future health care needs is one way that employers can leverage benefits to help employees plan ahead.

Enter health savings accounts, which have the potential of making a huge difference as a valuable supplement to standard retirement savings. You can help your employees understand the value of an HSA by comparing it to a 401(k), but for health care.