Brokers are positioned toassist clients in empowering their members to make wiser financialdecisions regarding health care, and to educate members on the bestways to utilize their health benefits. (Image:Shutterstock)

Part of our job as benefits professionals is to try and makehealth care as easy as possible for our clients and theirmembers. Today members face an increasingly complex and expensivehealth care system, and making informedfinancial choices is more important than ever.

The U.S. National Center for Disease Control conducted a studyof patient behavior in 2015 and found that nine percent of U.S.adults delayed or skipped medical care due to cost. What's more,U.S. per capita health spending in 2016 rose to $10,348, perresearch from the Kaiser Family Foundation. For comparison, thatnumber was just $4,855 in 2000. Adjusted for inflation, that comesout to $6,471 in 2016 dollars, or a real world increase of $3,877per capita.

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