Employers are bending over backwards to keep from hitting the "Cadillac Tax" on premium benefits programs during the 2016 open enrollment season. In many cases, this is passing on more healthcare costs to employees.

Copays and deductibles are increasing – and more parts of day-to-day healthcare are coming out of pocket. This shouldn't be news to anyone who reads this blog, but there may be many ways that employees can save if they know what to look for.

Employees should know to compare employee plans with those offered through the healthcare exchange. Healthcare savings accounts are also a novel option for many, providing tax-free savings for healthcare expenses.

Wellness incentives may offer some financial relief as well, all while building a healthier workforce. The linked article has other savings strategies, which may come in handy for you or for someone you work with. 

Read full article at Forbes.