Money stress is causing employees to delay essential care. Learn how paycheck guidance connects benefits, costs, and well-being to help workers stay healthier and more confident.

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The connection between financial stress and physical health is no longer subtle. It is direct and measurable. The Every Dollar Counts report shows that financial instability is pushing workers to make difficult trade-offs that affect their well-being.

Sixty one percent say money stress affects their mental health. Thirty nine percent have delayed or skipped medical care because of cost:

• Twenty five percent skipped a doctor visit
• Nineteen percent postponed paying a medical bill
• Sixteen percent delayed a procedure
• Eleven percent avoided filling a prescription
  

These choices are not about neglect. They are about strained budgets and paychecks that do not stretch far enough to cover routine care. And when employees skip care, employers lose value on the very health benefits they fund.

The root issue is the sense that financial life is unbalanced and overly complex. When workers do not understand how to use HSAs, FSAs, insurance, and paycheck allocations together, they often make decisions that increase long run risk.

Employers have a real opportunity to change this. By giving employees guidance that connects their benefit choices directly to their paycheck and expected costs, and by extending that guidance throughout the year, employers remove the friction that leads to delayed care. Solutions like NextDollar help operationalize this approach by continuously aligning paycheck decisions, benefit utilization, and real-time financial needs, so employees can act with confidence as circumstances change.

Eighty three percent of employees trust financial advice that comes from their employer.* That trust creates an opening for meaningful positive change. Protect your people and your plans. Paycheck centered guidance is the missing link between health benefits and employee wellbeing. Download the SAVVI Financial Research Report, Every Dollar Counts, to understand the connection between financial stability and a healthier, more engaged workforce. Or simply click here to schedule a 30 minute chat.

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*Source: 2025 Every Dollar Counts, https://www.savvifi.com/spotlight