Employee health plans increasingly are becoming the responsibility of workers as incentives for achieving health and wealth converge, a Manning & Napier white paper says. The impetus is the rising cost of employer health benefits as strapped workers postpone retirement or suffer health issues related to financial stress, the paper says. "Employers are becoming much more aware of the bottom-line impact of poor employee choices. That is really the motivating factor in wanting to change employee behaviors," says Shelby George of Manning & Napier.

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