Everyone loves it when a product or service is offered for free, whether it’s in the form of a buy-one get-one free sale, free samples at the grocery store, or anything else being offered at no charge. But when something is offered for free, there's usually a catch.

In the employee benefits industry, "free" services are common, specifically when those services are provided by brokers and consultants, including free COBRA administration, benefits technology, HSA/FSA administration, and quotes.

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