Insurance

Commentary: Employer interest in exchanges is high, but adoption rates have lagged behind projections for 2015.

Commentary: Brokers are strategically positioned to encourage employers to commit to a more productive workforce.

The consolidation of two health insurer giants has divided employers into two camps.

As they struggle to become financially stable, state-based health insurance marketplaces are lagging behind the federally-facilitated marketplace and are likely to continue to do so in the near future.

With 24 Republican senators up for reelection in November 2016, not to mention the presidential election, there is so much set to change for both public and private exchanges.

Marilyn Tavenner, who steered the U.S. Medicare and Medicaid agency through the rollout of Obamacare’s federal insurance markets, was named to lead the health-insurance industry’s lobbying group.

About 6.6 million U.S. taxpayers paid a penalty imposed for the first time this year for not having health insurance, about 10% more than the Obama administration had estimated – though a portion didn’t need to.

The Centers for Medicare and Medicaid Services estimates that more than 77,000 brokers and agents assisted with enrollments on the federally-facilitated marketplace in year two open enrollment, up 46% from the year prior.

Clients are turning to their benefit adviser for technology support — something brokers have to provide. Choosing a partner with the same goals and understanding the entire process are essential.

The $34.1 billion blockbuster deal between Aetna Inc. and Humana Inc. is seen as complementary to both health insurers in terms of helping grow their involvement in private and public health insurance exchanges.