Where we’re going

The stop-loss insurance market is facing a stress test. After several years of relatively stable trends, a wave of high-dollar claims has triggered significant losses, rate hikes and tighter underwriting. For employers with self-insured health plans, this shift brings serious consequences. They face higher stop-loss premiums, increased claim scrutiny, fewer coverage guarantees and in some … Continued

Fifteen years after the passage of the Affordable Care Act (ACA), the results are in and so are the consequences. While health reform succeeded in reducing the number of uninsured Americans, it failed to address the cost of employer-sponsored health coverage. For the more than one hundred sixty million Americans who get their health coverage … Continued