Unless otherwise noted, all information is from the Guardian Workplace Benefits Study report, "Benefits Optimization," (2023)

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1 https://www.cnbc.com/2022/10/19/report-american-workers-are-worse-off-financially-than-a-year-ago

2 https://www.retireguide.com/retirement-planning/risks/medical-bankruptcy-statistics/

3 https://www.statista.com/statistics/186001/annual-deductibles-of-hdhp-and-so-employer-health-insurance

4 https://www.bankrate.com/banking/savings/emergency-savings-report/

5 https://www.guardianlife.com/business/voluntary-benefits