Health and wellness

As employers face growing challenges with employee disengagement, many are looking toward wellness programs as the surest route to improve morale and workplace culture. And while the Affordable Care Act offers improved incentives to support workplace wellness programs, employers aren’t rushing to take advantage of them.

Millions of ACA application inconsistencies come as no surprise to benefit advisers and could trigger an influx of business to brokers from confused 2015 ACA enrollees.

Advisers looking to protect themselves and their clients from professional negligence or malpractice suits need to enter into an engagement letter, according to an ERISA attorney.

Sylvia Mathews Burwell was confirmed Thursday by the U.S. Senate as the secretary of the Department of Health and Human Services, replacing Kathleen Sebelius and signaling a new stage for Obamacare.

Commentary: Blogger Rob Lieblein offers insight as to why private exchanges really are the future of benefits and where benefit brokers and advisers should be in the process of hopping on the exchange train.

With the impact of health care reform still evolving, employers are taking a fresh look at their strategies for keeping employees healthy and productive.

Industry experts say that while unlikely, the historically stable product line may have the potential for price changes as its sales continue to rise.

With specialty drugs expected to reach as much as half of total drug expenditures within the next few years, pharmacy benefit manager CVS Caremark has launched a new program designed to make the process of filling specialty medication prescriptions easier for plan members.

CMS says benefit brokers and advisers are expected to be able to enroll their small business clients on the federal SHOP exchange online by sometime later this year.

To effectively address the reality of the widespread implications of obesity, employers must think beyond wellness programs. They must apply a wide-angle lens to employee health, wellness and even risk.

The U.S. Centers for Medicare and Medicaid Services has announced training and registration dates, along with requirements, for benefit advisers and brokers who want to enroll small business employers on the federally facilitated SHOP exchange.

Benefit advisers are poised to close the gap between employers’ need to control health costs and comply with the health law and employees’ lack of interest in taking ownership of their health care choices.

Benefit insiders predict a steep decline in small business group health insurance sales in the coming years, which could prove harmful for many independent brokers and agents.

The IRS this month clarified for benefit advisers and their clients that employers cannot escape ACA penalties and taxes via pre-tax premium reimbursement plans.

Benefits managers struggle to measure the real returns on wellness initiatives; achieving the goals of cost savings, cost avoidance and employee engagement requires a well-orchestrated plan. But it's not an impossible task.

Benefit broker compensation problems, an existing health law and a tough exchange board have forced advisers in this state to take a backseat to the implementation of Obamacare.

If your wellness program consists of a health risk assessment and nothing else, you may be missing the bigger picture. While the tools can yield important information, they may ignore broader factors in employees’ lives that are influencing the unhealthy behavior.

Commentary: An additional option is available for certain consumers to continue to enroll in the ACA marketplaces, guest blogger Laura Kerekes explains.

Evidence shows that more insurers bring down premiums on the ACA exchanges, which could ease conversations benefit brokers have with the uninsured about affordability of coverage.

Final regulations implementing the ACA’s nondiscrimination rules for wellness programs became effective in January, but many employers are still unclear about how the regulations have changed. The changes are subtle, but noncompliance can carry heavy penalties.