Eli Lilly's announcement that it is capping the cost of insulin at $35 a month also casts light on pharmacy benefit managers at a time when Congress has shifted its focus on them.

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Health insurance has become so expensive and complicated, most employers leave everything to the big insurance companies, who then take advantage of their ignorance and their desire to stay that way. But it's possible to take the power back.

Retirement planning alone may not feel relevant for younger employees struggling with student loan debt. With a diverse team, understanding what employees really want and need, rather than making assumptions, is essential.