As we prepare to close the books on 2014, now is the time to start planning for 2015.

1. Empower employers to let their employees make the choice.

Keep employees’ health care options open by providing coverage through an exchange, which allows you to present a wide variety of health plans and gives employees the freedom to choose the plans that best fits their needs.

2. Help your clients control their expenses.

Using a defined contribution model helps your client stay on budget because they know exactly how much will be spent each month on health care.

3. Help plan participants avoid unforeseen costs.

We’ve heard many stories in the past year of people with insurance racking up costs because they didn’t realize their doctor was now out-of-network. Make sure this doesn’t happen by working with a plan or private exchange that offers unparalleled network access and a broader selection of doctors, hospitals and pharmacies.

4. Meet the tech savvy consumer.

With information always at our fingertips, consumers are looking online to influence their purchasing decisions. Technology is impacting all facets of the insurance business — from plan comparisons to quoting and account management.

Make sure you work with an exchange or carrier that offers the technology you need to stay on point.

5. Trust an expert.

With so many options to choose from, making the right choice can seem overwhelming. A broker can help ensure the best decisions are made for the business and its employees. A broker has the professional expertise to help employers understand the ins and outs of the available coverage choices — and how these decisions can impact business.