It's not just the health of their employees that employers need to be worried about. It's the cost—and what that cost does to employee financial wellness.

Big as the problem is for employers, as they struggle to keep costs for health plans down, it could get bigger as they continue to offload increasing expenses onto their employees via higher costs overall, high-deductible health plans and more expensive plans overall.

Those costs add to employees' financial burdens, already strained by a high cost of living, the burden of student loans, and salaries that rise only nominally, if at all.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.