Following a decade of industry consolidations, most consumer-directed benefits platforms are a patchwork of disjointed technologies and nonintegrated processes.

Consumer-directed benefits are supposed to make life easier for employees. By using pre-tax benefit plans like HSAs and FSAs to pay for everything from medical and dental care to commuter costs, workers can save money while gaining more control over their earned income.

Tax-advantaged programs like HSAs and FSAs can also offset a portion of rising health care costs shouldered by both employers and employees. Health benefit costs for employers are expected to rise by more than 5% in the new year, while deductibles for participants have increased by 70% over the past decade. Half of Americans are enrolled in high-deductible health care plans. Yet tax-advantaged benefit accounts remain widely underutilized.

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