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Just as Apple took on IBM decades ago, a number of healthcare startups are aiming to revolutionize the insurance business, according to Alliant Employee Benefits’ Tom Greene.

When employees change jobs and cash out their plan balance, they often do it over a period of years rather than all at once, according to Retirement Clearinghouse’s Spencer Williams.

With the market condensing to a few big carriers, such as Anthem, adviser Vinnie Daboul predicts the health insurance system is entering a new phase.

Clients are often surprised to learn they can build up a cash reserve through their policies, says adviser Ari Fischman.

Employers and advisers should review group health plans to make appropriate changes in the event they are subject to these new provisions, says attorney Mary Bauman.

If today’s client isn’t intrigued with what an adviser is sharing on sites like LinkedIn, there is no reason to believe that they’ll be interested in person, says Wendy Keneipp.

Plan sponsors have higher expectations of health insurers than ever, which will lead to more innovation, says Voya Financial’s George Lemmon.

The methods for counting employees are as varied as the laws that affect them, often creating confusion and frustration for plan sponsors, says Compliancedashboard’s Dan Bond.

Despite recent lawsuits against the Department of Labor on the matter, the regulations will go into effect as planned, predicts adviser Robert Lawton.

ADP TotalSource’s Maria Black shares three tips advisers can offer small business owners to get the most out of their programs, such as year-end incentives and job flexibility.