Financial health can affect physical well-being. What can you do to help employees and plan members realize the value of consumer-driven health plans and wellness programs? Take these 3 steps.

Here's how the market looked when PPACA World was born, via NAIC 2014 numbers on the health insurance market.

Co-workers can be much more comforting if they can acknowledge and accept a fellow employee's sadness, continue to give her an understanding smile or a hug for weeks afterwards, or even cry with her.