Lester J. Morales

Employers and advisers need to stop trying to insulate employees from true costs and decisions around health insurance.

Between inflation and continuing financial struggles for those living paycheck to paycheck, adopting a more thoughtful approach to open enrollment shows you care about clients.

By helping reduce copays, deductibles and the cost of prescription drugs, we can save millions of working Americans from financial ruin.

Using a data-driven approach will produce better results and at a lower cost.

Want to be a true warrior in the eyes of your clients? Start by recognizing the need to do better on finding proven healthcare solutions.

Learning how to address this expense can save employees upwards of $10,000 while saving potentially millions on employer plans.

"As someone who’s clearly in the minority among other employee benefit brokers and advisers, I have a responsibility to help pave the way for positive change," says Lester Morales, CEO of Next Impact.