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An estimated 126.6 million Americans suffer chronic physical pain, yet 35% of surgeries are not necessary leading to billions of employer dollars going to waste.

Employer investments in cloud computing continue to grow at a strong pace, according to Forrester Research.

Harry Huberty is Research Director and Chief of Staff at Novarica. Prior to joining the firm, Harry worked in academic publishing at University Press of New England and in continuing legal education at Practising Law Institute. He is completing his Ph.D. in Religious Studies at Emory University. He also holds a B.A. in Religion from Dartmouth College and an M.T.S. in Religious Studies from Harvard Divinity School. He can be reached directly at hhuberty@novarica.com.

Brenna Quinn is senior vice president and general manager for Cerner Solution Development.

The proposed changes to health savings accounts will require employee notifications and communication efforts as well as enrollment system and payroll changes.

This does not mean that plan sponsors and committee members cannot insist on getting non-conflicted fiduciary advice; it just makes their job harder.

Dividend income is taxed lower than interest yields. And for the federal taxes that apply, clients can take steps to minimize those as well.

Another legal challenge to the constitutionality of the Affordable Care Act has companies grappling with new business strategies and tactics.

Setting up a medical coverage plan requires knowing your clients and what drives their thinking.