When an employer offers a group health plan, all enrolled employees are placed under a single, uniform policy. Everyone has the same benefits, cost-sharing structure—including deductibles and ...

Group and affinity health insurance expand coverage, but their short-term nature, hidden risks and lack of continuity make them an unreliable substitute for individual health policies.

Enhanced options include group and individual-based health insurance solutions together under one advisory model. CLEARWATER, ...

Individual Coverage Health Reimbursement Arrangements (ICHRAs) are growing, though at a relatively slow pace. They allow employers to provide their employees with tax-free money so they can purchase ...

If you’ve spent any time in the health insurance world over the last few years, you’ve probably noticed a shift, not just in how people buy coverage, but in how they think about it. For decades, ...

The predominant form of health insurance in the United States is employer-sponsored insurance, providing coverage for more than 180 million people in 2023. However, access to employer-sponsored ...