Consolidation, the widespread adoption of voluntary benefits, new tools for transparency, and innovations like reference-based pricing are all part of a rapidly changing industry.

Employees' priorities and goals are different and ever-changing, and 401(k) plans are often not enough of an incentive for hiring. This is where financial wellness programs can help.

According to the Justice Department, Kmart offered discounted generic drug prices to cash-paying customers, but didnt disclose those cheaper prices when reporting the drugs usual and customary prices to Medicare.

. In 2017, more than half of all insured American workers had health insurance with a deductible exceeding $1,000 thats almost twice as many as had such policies when Obamacare passed. But thats not all thats changed.