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The COVID-19 pandemic has changed the landscape of health care for all of us. Employers must rethink their benefit strategy this open enrollment season. Now more than ever, it is critical to balance attracting and retaining employees while keeping costs in check. Providing a financial security benefit to accompany an employer's high deductible plan offering can help achieve both goals. When a financial security benefit helps employees and their family members pay for and manage their out of pocket health care expenses, it pays dividends for years to come – particularly for those who have no access to cash, poor credit, or, like most Americans, live paycheck-to-paycheck.

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