Health insurance

To provide real cost savings for their employer clients, next-generation benefits advisers are casting off the health insurance carriers and abandoning the traditional way of procuring healthcare.

Smaller insurers are often hesitant at first. But encouraged by benefit brokerages like Lockton Companies, they are increasingly embracing this cost saving paradigm.

You can’t solve a healthcare supply chain problem with insurance, says one expert.

Firms such as AIMM and Claim DOC are showing brokers and employer clients just how costly claims are becoming and where to find alternative avenues of care.

Though policy makers may need to step in where market forces fail, businesses should play a more significant role in cutting costs.

The Trump administration is siding with Texas in the state’s bid to convince a federal judge that Obamacare is largely unconstitutional.

Though policy makers may need to step in where market forces fail, businesses should play a more significant role in cutting costs.

The pros and cons of self-funded benefit strategy depend on the location of the market.

No change was announced to the HSA catch-up contribution limit but married couples need to look into the details.

For companies, the arrangement can mean a healthier workforce, better care for their employees and less money spent paying for employees’ medical bills.

President of Energi Insurance Services in San Juan Capistrano, Calif., Craig Lack identifies how brokers can claim new clients by showing them the cost of inaction.

Adviser Jeff Fox is weaning his clients off of preferred provider networks in favor of self-insuring and contracting directly with a top-flight health system.

A decade-long review of disability claims from carrier Unum reflects effects of aging workforce, early intervention.

The U.S. government will pay $700 billion in subsidies this year to provide Americans with health insurance through their jobs or in government-sponsored health programs.

The Affordable Care Act and association health plans still have a role to play in shaping the nation's healthcare landscape.

The alternative strategy is ideal for companies that like the idea of self-funding but want to keep the safety and stability of consistent premium payments.

The Affordable Care Act and association health plans still have a role to play in shaping the nation's healthcare landscape.

For companies, the arrangement can mean a healthier workforce, better care for their employees and less money spent paying for employees’ medical bills.

In a national plan, employers are pooled together to purchase stop-loss insurance. Companies pay smaller day-to-day claims as they come, but enjoy greater protection against catastrophic claims as well as the purchasing power of a large group.

Employees and others are ill-prepared to meet their long-term care expenses. But government regulations and insurer indifference are exacerbating the problem.