Join Scott, Bob and special guest; Joel Belding who is a healthcare broker expert and has been in the industry for over 11 years! He works for one of the largest employee benefit only firms in the country! Joel is incredibly knowledgeable and explains the many ins and outs of health plans, the difference between HSA and FSA, and shares insightful information from an employer and employee standpoint! He also dives into ways for employers to be innovative and go to bat for their employees, one of them being ways to cut healthcare costs to avoid employee layoffs! Create change!!