Employee-Paid

These issues are top of mind for human resources professionals as the election comes to its final days.

According to a study by Guardian Life, American employees are failing when it comes to their general knowledge about benefits and health insurance.

Among those who will be voting, the Republican Party nominee has a steeper hill to climb in winning workers' confidence.

While health care cost increases have slowed in the U.S., theyre far from flat. There are many factors in play that continue to drive health care costs upward.

However, some workers who are confident they will have coverage still express concern about access to necessary medical services.

Given the importance of benefits to an individuals overall financial health, helping the process run more smoothly could be an important difference for millennials and their financial futures.