For benefits brokers, recognizing and accepting change will be half of the battle. But once they can do that, the road is open to playing a significant part in this transition.

Kick off enrollment season the right way by empowering employees with the information they need to make informed health-related decisions.

All employer plans are free to cover expenses the employer determines should be covered, however, fully insured plans will generally be forced to cover treatments mandated by state laws, while self-funded plans have more leeway.

According to a Plan Sponsor Council of America (PSCA) survey, half said that they promote HSAs as part of a retirement savings strategy to employees.