Brokers are positioned to assist clients in empowering their members to make wiser financial decisions regarding health care, and to educate members on the best ways to utilize their health benefits. (Image: Shutterstock)

Part of our job as benefits professionals is to try and make health care as easy as possible for our clients and their members. Today members face an increasingly complex and expensive health care system, and making informed financial choices is more important than ever.

The U.S. National Center for Disease Control conducted a study of 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, per research from the Kaiser Family Foundation. For comparison, that number was just $4,855 in 2000. Adjusted for inflation, that comes out to $6,471 in 2016 dollars, or a real world increase of $3,877 per capita.

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