Leibowitz

“Both of these assets aren't really liquid, which means millennials don’t have instantaneous access to either of them,” said Kevin Leibowitz, president and CEO of Grayton Mortgage.

“It can be a lot less than moving to the next tier where the deductible is lower,” Leibowitz says.

“Network, formulary, benefits,” Leibowitz says, “you have to do your homework.”

“Even if you were in an Aetna plan before, and you say, ‘Well, I’ll stay with Aetna again,’ you still want to look and make sure the medication you’re taking is still on the formulary,” says Abbie Leibowitz, chief medical officer and co-founder of Health Advocate, which provides integrated health advocacy and health benefits programs.

“I call them the fringes,” Leibowitz says.