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Brokers provide access to knowledgeable and experienced advocates who can help employees shop for their health care. (Photo: Getty)

In a continuing effort to stem the tide of rising health care costs over the years, employers have increasingly asked employees and their families to take a more active role in their health care. With the advent of consumer-directed/high-deductible health plans and their associated accounts — health savings accounts (HSAs) or health reimbursement accounts (HRAs) — has come a growing expectation that, as employees are asked to shoulder more of the cost of their care, they will become more thoughtful about how and when they use their coverage.

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