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Health Insurance Newsletter

Health/Employee Benefits News RSS Get our newsletter

Brokers can’t ignore these three shifts heading into 2026

December 31, 2025 Health/Employee Benefits News No comments.

Three key trends are expected to play a significant role in shaping the benefits landscape in 2026.

Read more
December 26, 2025

Maximize health insurance benefits before year’s end

Your health insurance plan likely includes other covered benefits and services you’re likely not aware of.

December 23, 2025
Illustration showing a flexible benefits coordinator. Flexibility-is-the-future-of-employee-financial-wellness-benefits.

Flexibility is the future of employee financial wellness benefits

SECURE 2.0 introduced innovative provisions that allow plan sponsors to tailor benefits to meet diverse employee needs.

December 23, 2025

Affordability pressures are reshaping pricing, products and strategy for 2026

As the U.S. insurance industry flips the calendar to 2026, affordability has shifted from a rising concern over sky-high costs to a defining industry challenge.

December 19, 2025
Illustration showing "HSA" in a basket on a front porch, with a note pinned to the basket. Whats-behind-HSA-FSA-adoption.

What’s behind HSA, FSA adoption?

HSA and FSA users and non-users have some common attitudes and behaviors, said Heather Ruff, Visa senior account executive, health care and employee benefits.

December 16, 2025
Image of ship named "ACA Tax Credits" being sunk at sea. GOP-scuttles-vote-on-package-without-ACA-tax-credits.

GOP scuttles vote on package without ACA tax credits

House Speaker Mike Johnson said he won’t call a vote Wednesday to extend enhanced subsidies under the Affordable Care Act.

December 16, 2025
Illustration showing prescription pills, and the words "Medicare Advantage Marketplace," with a fever graph showing the ups and downs of the marketplace. Stabilize-the-Medicare-Advantage-marketplace-Idaho-director-tells-NAIC,

Stabilize the Medicare Advantage marketplace, Idaho director tells NAIC

The Idaho Department of Insurance Director described his state’s actions against unfair trade practices regarding Medicare Advantage plans, while the head of an agents’ association expressed her frustration.

December 16, 2025
Illustration of a book labeled "LTC Rider Guidelines" and a stick note on the book that says "Read This." LTC-riders-More-education-is-needed-NAIFA-president-says.

LTC riders: More education is needed, NAIFA president says

Carriers must do a better job of educating advisors and consumers about long-term care riders on life insurance policies.

December 10, 2025
Image showing a patient reviewing his prescription and checking his iphone. Formularies-increase-in-complexity-challenging-consumers.

Health plan approved drug lists more complex, challenging consumers

Health plan prescription drug formularies continue to increase in complexity, and changes to those formularies are especially challenging for consumers to navigate.

Costs for employer-based health insurance outpaces inflation

December 10, 2025

A new 50-state analysis shows that employee costs for health insurance offered through their job—the primary source of coverage for more than half of all people in the United States—rose sharply and outpaced inflation from 2023 to 2024.

December 10, 2025
Illustration of someone seeing the word "LTCi" through a magnifying glass. LTCi-Some-coverage-is-better-than-none-at-all.

LTCi: Why some coverage is better than none at all

“A client doesn’t have to have something huge to make a difference” when it comes to paying for long-term care, said Holly Westervelt, vice president of sales for Krause Agency.

December 9, 2025
Picture of the U.S. Capitol building with a sign that says "Senate Democrats to Force ACA Vote."

Senate Dems to force ACA vote while competing plans float in the House

The Senate is expected to vote later this week on a Democratic proposal to extend expiring enhanced Affordable Care Act tax credits and prevent health insurance premiums from skyrocketing for millions of Americans.

1 in 4 ACA enrollees likely to forgo insurance if premiums double

December 5, 2025

If the amount they pay in premiums doubled, about one in three enrollees in Affordable Care Act Marketplace health plans say they would be “very likely” to look for a lower-premium Marketplace plan (with higher deductibles and co-pays) and one in four would “very likely” go without insurance next year.

December 4, 2025
Photo illustration of two gloved hands typing on a laptop with the letters "ACA" overlapping.

ACA marketplace allowed possible fraud through fake enrollees, GAO says

The Affordable Care Act marketplaces allowed fake enrollees to obtain coverage in 2024 and 2025, the General Accounting Office said in a report issued this week.

December 4, 2025
Illustration of two characters making a big leap. LTC-Help-clients-make-the-leap-from-interest-to-planning.

LTC: Help clients make the leap from interest to planning

Clients are interested in long-term care solutions, but they often are not ready to make the jump from interest to planning.

77% of Americans are pleased with their 2026 health insurance options

December 3, 2025

With open enrollment for 2026 health benefits in full swing, eHealth released findings from a new survey showing that most Americans are happy with their coverage options for next year, despite many people expressing surprise with the cost of plan premiums.

December 3, 2025
ACA

Congress races Dec. 31 clock on expiring ACA subsidies

Several proposals are floating around Washington but will any of them become law?

LTC: Why young adults should think about future needs

December 3, 2025

Consumers in their 30s and 40s might think they are too young to plan for their own long-term care, but having the LTC conversation with these younger adults will help them prepare for the time when their parents face a care crisis.

Employees are more informed, but less satisfied with benefits

December 1, 2025

WTW’s latest EX Intelligence report found there has been a rise in the number of employees that feel well informed about their company benefits, but satisfaction around benefits has declined.

Commissioner asks health insurers to keep broker commissions on Medicare products

December 1, 2025

Washington state Insurance Commissioner Patty Kuderer sent letters to two health insurers asking them to continue paying commissions to insurance producers, brokers, and agents who help seniors and people with disabilities select Medicare plans during open enrollment.

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