Employer matching worked because it dialed into some fundamental truths in behavioral economics: left to their own devices, most people don't build savings for either retirement or health care. (Image: Shutterstock)

Organizations are once again gearing up for open enrollment. This time, though, they're doing it under tumultuous circumstances.

The COVID-19 pandemic has heightened the perennial concerns of open enrollment: managing rate increases and delivering valuable benefits. In this environment, optimizing benefits to cut costs and help employees build long-term savings is critical.

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