Health Estimates
Benefit Advisors


Health Estimates Newswire

Feb. 28, 2019: Experts to Congress: Short-term health plan disclosures stink

By Allison Bell

One big problem with expanding consumer use of short-term health insurance is that consumers may have no good way to know what a policy will really cover. Jessica Altman, the Pennsylvania insurance commissioner, presented that argument Wednesday, in Washington, at a hearing organized by the House Health Energy and Commerce health subcommittee.Read More

New court docs: Amazon & Co. want to 'reinvent what insurance looks like'

By Marlene Satter

The joint health care venture launched by Amazon, Berkshire Hathaway and JP Morgan is slowly giving up additional details as testimony proceeds in a court case filed by UnitedHealth Group subsidiary Optum. The Wall Street Journal suggests that in newly unsealed court testimony, the three companies—which had earlier said that they were trying to cut costs for health coverage for employees as well as to improve care—are actually looking at how to redesign health insurance. Read More

How do you solve a problem like retirement (policy)? Carosa

By Christopher Carosa

Everyone agrees there’s only one thing worse than a 401(k) plan – not having a 401(k) plan. If that sounds obvious to you, you may have discovered the source of the debate on retirement policy. Teresa Ghilarducci, known for her criticism of how the 401(k) has been delivered to employees, has her own thoughts on how to improve retirement (see “Exclusive Interview: Teresa Ghilarducci Worried About de facto Poverty in Future Retirement,”, February 21, 2019). It’s important you understand her ideas, not necessarily because you should or shouldn’t agree with them, but because they will stimulate your own thinking. And exactly what thinking should be stimulated? Read More

Quiz: Employee wellness program do's and don'ts

By C.J. Marwitz

We’ve seen an uptick in reader interest in employee wellness over the past three years. And why not? The possibility of a healthier workforce, of potentially lower health care costs is a powerful draw. But there’s a lot more to employee wellness than that. We’ve sifted through government and industry sources, and our own articles, to glean questions we think most people in benefits management, as well as benefits brokers, might be able to answer. Read More

ACA tweak would automatically kick Medicare enrollees off public exchanges

By Allison Bell

The Affordable Care Act public exchange system is making a change that could help some people avoid tax nightmares but cause some other people to suffer a sudden, unexpected loss of ACA exchange plan health coverage. The public exchange programs will be automatically ending the exchange plan coverage of many exchange plan users who appear to have Medicare coverage. Read More

Glide path? What's that? How to better communicate with 401(k) savers

By Nick Thornton

Employers and the financial services industry are spending more energy and assets than ever in the effort to get functional retirement solutions to workers. But their approach to communicating those solutions often falls on deaf ears, according to new research from Invesco. “The big problem is what we say to participants is not what they hear,” said Greg Jenkins, managing director and head of institutional defined contribution at Invesco. “Jargon we use in industry doesn’t work.” Read More

10 best places to work in 2019

By Katie Kuehner-Hebert

For many people, it isn’t just a good salary, a decent health plan and standout extras like student loan repayment benefits and spa gift cards that make their place of employment a great place to work. It’s also whether employees feel they have a voice and are truly heard, that they have a clear career path with helpful mentors, and that the company stands for something worthwhile and treats its clientele—and workers—accordingly. Read More

Key ERISA litigation trends to monitor in 2019

By Emily Costin

Litigation involving supposed “excessive fees” paid by participants in retirement plans shows no signs of slowing down in 2019. These cases generally involve claims that fiduciaries of 401(k) or 403(b) plans caused the participants to pay high administrative and/or recordkeeping fees or selected inappropriate investment options for the plan that underperformed or were more expensive than comparable funds. Read More

Jeff Sopko