Nearly 4 million. That’s the number of babies (3,988,076 to be exact) born in the U.S. in 2014 according to the Centers for Disease Control and Prevention. It’s equal to about 10,926 births every day. If you’re among one of those families expecting a newborn—especially if it’s your first time—you’re probably thinking about a zillion things other than insurance. However, if you want to truly protect that little bundle of joy from life’s potential calamities, the right insurance coverage is essential.

According to a 2015 Gallup survey of more than 7,000 U.S. workers, 51 percent of employees have quit a job to get away from a boss. The reasons are many, from lack of communication and appreciation to favoritism and micromanagement.

According to PwC’s Health Research Institute, medical costs in the U.S. will increase 6.5 percent in 2016. Benefit plan changes, such as narrower provider rangers and higher deductibles, will reduce the increase to 4.5 percent, though many consumers and the companies that employ them will continue to struggle to afford healthcare services. What can you do to continue to provide the health insurance coverage your workers need without devastating your budget?

According to PwC’s Health Research Institute, medical costs in the U.S. will increase 6.5 percent in 2016. Benefit plan changes, such as narrower provider rangers and higher deductibles, will reduce the increase to 4.5 percent, though many consumers and the companies that employ them will continue to struggle to afford healthcare services.

A 401(k) plan is a retirement savings plan that is established by an employer for eligible employees. Employees who participate in the 401(k) plan can make contributions to their accounts with both pre- and post-tax dollars—up the annual limits set by the Internal Revenue Service (IRS). Employers can also contribute funds to their employees’ accounts, and many will ‘match’ the deposits their employees make up to a certain amount.