Open enrollment is the perfect time for your employees to assess their needs, and then choose a medical plan that fits them best—both in care and cost.

Open enrollment has a bad reputation. For many employees, it’s that special time each year when they have just a few short weeks to make crucial choices about subjects that confuse and overwhelm them. It’s a magical dance of stress, procrastination, and last-minute scrambling, and when it’s all over, they take a collective sigh of relief and stop thinking about their benefits for another year.

Financial wellness programs, on the other hand, are more relaxed—a little too relaxed. They usually consist of well-intentioned lectures about how employees should budget their paycheck once it’s cashed. And since there’s no hard deadline, most employees just hit the snooze button on your advice again and again, as they struggle daily with the stress caused by unexpected bills and an uncertain future.

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