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Today’s benefits consumers have high expectations about how they’ll engage with their benefits provider, based on purchasing experiences they have with top retailers. They want to be able to talk, type, text, and tweet their questions, concerns, answers, and reviews. And they demand not only high-quality products, but also accessible information and support at the click of a button.

At the same time, the overall benefits landscape is also changing: from health plan consolidation and foreign entrants into the U.S. marketplace, to a shift in benefits spending between employers and employees.

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