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In the United States, employers remain the leading source for health care coverage for people ages 18 to 64, and many plan to provide health benefits for at least the next decade (after the ACA, many employers thought they would stop offering such benefits). They will keep health insurance, wellness programs, and other benefits as part of the overall employee experience and value proposition. Now companies want to find more cost-effective ways to offer such benefits since health care-related costs continue to rise faster than inflation. They are also taking a “whole-person” approach, which includes physical, emotional, and financial health.