Smith (smĭth) n., a craftsperson or artisan. A recognized specialist in a field that often requires years of apprenticeship to reach status or title. A communication expert.
Without information, education, and decision support, a high-deductible plan in the hands of an employee is a lot like that underutilized smartphone in the hands of your grandfather.
Millennials are digital natives. From the crib they've played, learned, socialized and worked on computers and mobile devices. To reach them, your organization must be digitally fluent.