We all know successful companies continually recruit the best talent to give themselves a competitive edge. Making employees feel valued, understood, and cared for is integral to retaining top-notch talent, and savvy employers work with knowledgeable brokers to build benefit packages to do just that.

Health plans are evolving, and many employers are shifting the financial burden to their employees, often in the form of high deductible health plans (HDHPs). The best brokers teach employer clients how to take a HDHP and incorporate solutions that deliver real value to their employees. This education also includes showing them which solutions make quality health care more accessible.

Explaining first-dollar coverage

For years, large companies with deep pockets offered first-dollar benefits that made health care expenses more economical for workers. As margins narrowed in a volatile economy, corporations, as well as smaller to mid-sized companies, were forced to make difficult decisions and get creative to offer valuable health benefits.