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Some options are better at reducing the expense of such services than others, say Universal Health Advisors John Mickner and Tim Cummings.

Advisers with this client base should take note of this ‘significant challenge’ as salary threshold for exempt employees grows.

An adviser needs to be fully aware of features of the ACA that can “help or hurt” a client, explains Alan Schulman, VP of The Meltzer Group.

Therapies such as applied behavioral analytics are now provided in more programs, such as JPMorgan Chase’s offering.

Sean Clem has a laser focus on client’s strategic goals so issues don’t become challenges.

New research shows employers, employees struggle to close the skills gap.

A much better consumer experience and an end to fragmentation are coming, says Michael Lujan, co-founder of Limelight Health, who recommends interviewing vendors to become an extension of your agency.

C-suite participation on networks like Facebook, Instagram and Twitter helps solve internal communication problems.

Employers may not realize how the programs integrate and could be paying for too much coverage — or not enough, says the Principal’s Bruce Hentschel.

Roughly a third of American workers don’t have a retirement vehicle, says Labor Secretary Thomas Perez.