Executive Director Message Accessing Care following the Pandemic: What Has Changed, What We Have Learned A Complete Benefits Package Can Support Employees and Reduce Turnover Transparency and Affordability in Health Care and Prescription Drug Coverage Running, Mental Health, and the Importance of a Good Health Plan Default Budgets & How They Work Government Affairs Update: Fall 2022 Help is Available for Homeowners Behind in Paying Mortgage, Property Taxes or Utility Payments HR REPORT: NHMA Employment Law Hotline: Question and Answer Series TECH INSIGHT: Why Multi-Factor Authentication Is Essential LEGAL Q&A: Mitigating Confusion over “Ex Officio” NLC REPORT: ARPA Funds: Best Practices for Small Communities NHARPC CORNER: Economic Resiliency Planning 2022 Index of Featured Articles