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Navigation-focused AI helps employees identify in-network care, understand coverage and avoid financial surprises — an impact that is immediate and measurable.

Handing off clients to an e-filing expert can help reduce administrative strain while allowing HR and benefits teams to focus on employee support and plan strategy.

Clarifying that accessing earned wages through employer-integrated models is not the same as borrowing removes a major obstacle to adoption.

Some 80% of respondents said they expect estate planning to be integrated into financial wellness offerings.

With open enrollment fresh on their minds, employers can clearly articulate what worked, what was well received by employees and what needs to improve. 

Sidecar Health's approach removes barriers associated with provider network restrictions, prior authorization, formularies and step care.

Attendance only tells you whether people walked in the door. Human-centric data tells you whether they want to stay, how productive they are and how supported they feel.

The time has come to pass legislation to mandate enforceable price transparency and "site neutral" payments, as well as ban anti-competitive contracting.

Alternatives to costly standalone long-term care insurance include hybrid life policies with an LTC rider, extended premium payment periods and annuities.

By helping employees find the right doctor at the right price within their benefits plan, AI would make its biggest impact.