This upcoming year will see new plans, programs and point solutions in the marketplace to support employers seeking to manage increasing health care costs.

One-on-one benefits conversations also allow employees to ask specific questions that they may not get answered when referencing online materials or asking friends, family, and coworkers.

The role of brokers has been even more important as they help employers design benefits strategies that curb costs and attract and retain top talent.

Employers who take the time to educate employees will find a happier, stronger, and more productive workforce with an overall improved company culture.

If employers provide the information and education employees need, HR can meet both employer and employee expectations.

What exactly do brokers need to know about these changes? And how should they be thinking about the impact on employees?

Make sure new, young employees are equipped to choose and use the best health care plan for their needs.

This inability to make educated choices costs employees—and their employers—millions in unnecessary costs each year.