Since the introduction of the Patient Protection and Affordable Care Act, an enormous amount of time and resources have been dedicated to saving money while simultaneously trying to raise the quality of American health care.

From the perspective of both a consumer and a legal advisor to employers (and a former HR manager), redundancies and systemic inefficiencies are both personally frustrating and a huge driver of increased costs.

If you asked employees if they would like to get more exercise, most would agree that they would prefer to be more physically active, but finding time for fitness is challenging.

Financial education for employees is a great opportunity right now.