These three tactics can stop employees from underutilizing their benefits (even when preventive care is fully covered), which is a recipe for absenteeism, long-term poor health outcomes and employee resentment.

In 2023, employers can expect to pay more than double the 2022 increase in health insurance costs, and brokers are in a unique position to help their clients see that there are solutions to combat rising health care costs.

"I can't teach compassion, but I can teach the industry and strategies," says Rachel Means, the founder and CEO of Employee Benefits Consulting

8 in 10 employers say health care costs affect their ability to remain competitive.