Although it's a complicated issue, there are tangible, immediate steps that health plans, brokers and benefits managers can take to proactively curb ER misuse.

Brokers can help employers and employees thrive by working with their clients to make the best out of their HDHP, and by presenting a no- or low-deductible plan option this next open enrollment season.

When brokers present plan options that will dazzle their clients with radical customer service, everyone wins. So how do you identify plans and providers that are likely to exceed your clients' expectations?

The following are a couple of areas to consider as you work with your clients to find the best plans for their employees.

Consider the following to make your employer clients' jobs easier in 2021.

We've arrived at a point where employers are spending millions of dollars on a product that many of their employees can't really use.