Model Law Could Spur States to Rein in Prior Authorization
A new model law adopted by the executive committee of the National Council of Insurance Legislators (NCOIL) could spur more states to adopt legislation to regulate health insurers' use of prior authorization. While prior authorization remains an important tool for managing
‘Stealth’ Health Plan Cost Drivers Employers Can’t Ignore
As employers face rapidly rising health insurance costs for their employees, industry pundits are increasingly urging benefit leaders to confront "stealth" cost drivers that quietly inflate spending year after year. While headline issues like premium increases draw the most attention, some
Seven Tips for Avoiding High Medical Bills
When people sign up for a new health insurance plan, be that an employer-sponsored plan or one purchased on the Affordable Care Act (ACA) exchange, they can often be confused about when coverage starts, what is covered and whether they
Get ACA Reporting Right and Avoid Fines
Applicable large employers face a familiar but unforgiving task each winter: reporting their group health coverage details to the IRS. With key ACA Affordable Care Act filing deadlines falling in early 2026, employers with 50 or more full-time equivalent employees
ACA Subsidy Expiration Could Ripple Through Group Health Plans
The expiration of enhanced premium subsidies that have helped millions of Americans afford individual health insurance through the Affordable Care Act exchanges at the end of 2025 will be felt by employers offering group health plans.As exchange coverage becomes less
Health Benefit Trends to Watch in 2026
Employers are heading into what may be one of the most challenging years for managing group health costs. The new "Trends to Watch in 2026" report by Business Group on Health (BGH) outlines developments that will shape next year's benefits environment. Rising medical
How to Avoid the ‘Ghost Network’ Issue in Your Health Plans
For your group health plan enrollees, finding a doctor who accepts their plan should be straightforward since each plan typically has a network of physicians available for enrollees. However, enrollees regularly learn that a doctor that is clearly listed in their
Health Insurers Slowly Cut Prior Authorizations
Health insurers pledged to overhaul their processes as part of a Trump administration initiative to reduce the volume of prior authorization requirements.
Deciding Which Dental Insurance Plan Is Right for Your Company
Choosing the right dental benefits plan for your employees is always filled with compromises and difficult decisions, no matter if this is the first time you offer a dental plan at your company or you are just revising the benefits
Younger Workers Struggle Most with Choosing Health Plans
The oldest Gen Z workers and youngest Millennials who are just entering the workforce face a steep learning curve when selecting group health coverage and are increasingly turning to apps, the internet and family for advice, according to a new