Last month I brought up the idea that we're going to see a lot of change in the industry over the next 10 years--change that is in the best interest of both plan sponsors and their employees. This change will include adding a new benefit that offers lasting behavioral change and lower health care costs: financial education.

For brokers, this will mean changing the individual benefits you include in the comprehensive benefits package you offer your clients. These changes will develop subtly over time, tied to many of the changes already being seen in sponsored programs today. Here are three major ones to watch for in the next 10 years:

#1: Financial wellness will become a common branch of company wellness programs. As the wellness movement grows, more plan sponsors are realizing that physical as well as financial health are equally important factors in reducing costs and helping employees reach their wellness goals. Once enough has been done to determine the effectiveness of wellness programs that include both related benefits, we'll most likely begin to see insurance companies offering discounts or cost advantages to plan sponsors with these programs.