A study shows employees get sick less, have lower stress, and work harder. Still, applying the idea in the U.S. won't be easy.

Its a popular proposal, especially among Republicans: Let people save money by buying insurance coverage from another state, where policies might be cheaper. But its not a good idea, according to Kaiser Health News.

Employees arent the only ones whod like some help negotiating the maze of voluntary benefits two out of five employers who dont already have a financial advisor to guide them say theyd be happy to have professional help.