With choice comes the ability to evaluate which product fits the specific needs of the individual, including cost, coverage, and reach. Our MyChoice^SM Recommendation Engine technology enables consumers to cut through the challenges related to the purchase of insurance and can help them find the right options within your private insurance exchange.

As consumers, we expect shopping for everything online — from electronics to benefits — to be educational, enriching, and pain-free. We expect technology to help us simplify the process of choosing. The days of transaction-only benefits enrollment are gone.

What employers get with defined contribution is simple: the ability to budget. A consistent trend of rising healthcare costs has provided the perfect environment to redefine the idea of defined contribution. Employers gain the ability to create a consistent benefits budget. Employees get to make their own choices and spread their benefit dollars as they see fit.