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Health insurance company stocks fall Wednesday after Obama’s re-election affirms PPACA will move forward. Health reform’s product standardization and transparency will “pressure margins,” insurers say, offsetting any potential for increased profits from a larger client base.

'Obamacare,' Exchanges, Medicare Surtax, MLR’s etc … it goes on and on, the litany of challenges, concerns and issues that may call into question our very survival. Perhaps this is really all about perspective. Sometimes we are so close to a situation that we lose sight of the big picture issues.

Football season has reached its halfway point, but Legg Mason has a savings plan ready to kickoff financial security.

The Hartford Group plans to offer cash to holders of variable annuities in attempts to give up the contracts as it seeks to reduce financial risk.

Businesses can help the thousands of children who need parents by offering adoption benefits — which are relatively simple and affordable — and by raising awareness in their communities

Just a quick election postscript: Whether they are freshman lawmakers or returning to Congress for yet another term, U.S. House and Senate members may want to consider addressing workplace flexibility right along with the fiscal cliff. A research report by the Congressional Management Foundation and the Society for Human Resource Management shows that fewer than one in four congressional staffers are satisfied with the flexibility afforded them.

Some 17% of Americans waste their paid time off, according to a survey by American Express. However, your boss and hairdresser? Not among them. Those are just two on a list of positions that are less likely to leave unused vacation days at the end of the year. On the flip side, employees in other job spheres — such as personal trainers and PR representatives — are chronic PTO neglectors. Check out positions on each list, and see which — perhaps some at your own company — could use a nudge toward better work-life balance. [Images: Thinkstock]

Up to 20% of those who take currently available medication to lower bad cholesterol suffer from side effects, but new medicines may take unusual forms — engineered tomatoes and yogurt.

A new analysis indicates that Illinois has the worst pension funding ratio out of the ten most populous states.

The president’s re-election probably spells doom for any short-term efforts to overturn PPACA, and industry professionals who waited to implement health care reform changes can wait no longer.