As employees struggle to fill gaps in their health and financial safety nets, brokers have a critical role to play in helping employers make sense of the ever-changing benefits landscape.

Compared to major medical and other group benefits, voluntary sometimes requires a little more work to make it, well, work.

Let's dive into what has caused the evolving health care crisis and solutions to resolve it.

Despite taking greater control of their health expenses, many consumers are still struggling to figure out how to make the most of their benefits.