The benefits industry is like amerry-go-round. Benefit popularity is cyclical, and market trendsand themes always seem to circle back into the foreground overtime. However, the acceleration of technological innovation ispropelling the benefit carousel faster each year, making itchallenging for many brokers and employers to keep up with changes and new products in themarket.

2018 focused on the individual'srole in health care, and more specifically, their access totransparency tools,education and the adoption of technology tofoster more informed health care consumerism. The spotlight onindividual privacy, security, and protection continued to shine aswell. As we close out the first quarter of 2019, I expect thosetrends to continue through the evolution of benefits on which wealready rely as well as adoption of new, innovativeproducts.

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