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Other than wages, an employer's largest human capital expense is typically its health care plan.  As the costs of health care continue to rise, employers consistently look to and implement a number of different plan design and cost-shifting options, including High Deductible Health Plans (HDHPs).  At the same time, and in part responsive to the rising cost of health care, employers have sought to implement holistic wellness programs that seek to engage workers in programming and solutions across a range of wellbeing areas, including financial health.

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