As legislators continue to repeal and replace the ACA, they look for new ways to separate portions the insurance markets into different segments. Some efforts counter actuarial and insurance principles: segmenting the risk pool increases volatility and that creation of different risk pools based on health status and effect premiums
As the debate in Washington rages on over the efforts to repeal and replace the Affordable Care Act (ACA) there is a fundamental truth that is being ignored: there are no provisions of the current […]
More Americans are working past 65 and continue to have employer-sponsored health insurance. However, the intersection of Medicare and employer coverage has a number of traps for the unwary and some of these traps come […]
On June 22, the Senate Republicans released the Better Care Reconciliation Act of 2017 (“BCRA”), their version of a bill to repeal and replace the Affordable Care Act. The bill repeals some provisions of the […]
An increasing number of workers are choosing to stay in the workforce – many on a part-time basis. In effect, these workers have created their own phased retirement program. This ongoing employment contributes to retirement income adequacy and can be viewed as a key part of solving the challenges posed by past errors (such as low savings and insufficient diversification).
Effective January 1, 2018 New York becomes the latest state to require that employers provide paid family leave, joining California, New Jersey, and Rhode Island. Also, Washington State adopted a paid family leave act in […]