September 10, 2025

President Trump introduced the concept of a copper plan as a solution to healthcare affordability. But is it a solution? Yes, copper premiums will be lower than what is currently offered...

August 4, 2025

Designing health benefits as if they were one-size-fits-all is a bit like issuing steel-toed boots to accountants or medical scrubs to long-haul truckers—it sounds equitable until you look at the bill.

July 11, 2025

The U.S. healthcare system, marked by extraordinary technological capability and deeply rooted inequities, has reached a critical inflection point.

April 1, 2025

How Employers Should Evaluate the Shift from Fully Insured Health Plans. Self-funding is an alternative approach where employers directly manage and fund healthcare claims, allowing greater transparency, flexibility, and control over healthcare costs...

February 3, 2025

The killing of the CEO of a major health plan has again highlighted the issue of denials and denial rates in today’s healthcare marketplace. It is fairly common in today’s marketplace to criticize those plans with higher than average denial rates.

December 20, 2024

Following the recent shooting death of UnitedHealthcare’s (UHC) CEO, claim denial rates have recently become a highly scrutinized statistic in the news and on social media.

November 22, 2024

Trend leveraging is an issue commonly overlooked when developing premium rates for new plan years. Trend leveraging occurs when rising healthcare costs result in more plan members surpassing deductibles...

October 16, 2024

As actuaries, we are constantly scrutinizing unit costs, utilization patterns, reimbursements, and more in an attempt to blunt the impact of distressing healthcare...

September 12, 2024

I recently hit a major career milestone of 30 years in healthcare. With my youngest daughter Kendall joining me in the office as our marketing intern...