A Study by TIAA and the MIT Age Lab shows more than 44 million Americans account for some $1.5 trillion in outstanding student loans. Most borrowers are students, but surveys show that plenty of parents and family members are on the hook as well. While their circumstances vary, all are dealing with some level of financial [...]
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This article was published on December 7, 2019 on The New York Times, written by Elisabeth Rosenthal. Photo Source: New York Times and Woody Harrington. Welcome to the weird world of medical billing. Much of what we accept as legal in medical billing would be regarded as fraud in any other sector. I have been [...]
The Binary Foundation reports that more than half of surveyed adults have used social media networks to search for healthcare providers – a six-fold increase since 2017. More important, 75% of respondents were influenced by online ratings and reviews, with many calling these reviews somewhat or very reliable. Only 9% said they do not use [...]
A survey of individual healthcare consumers shows that the lack of cost transparency is taking a big toll, with more than half of respondents saying they have passed on doctor visits or prescriptions because of cost. The vast majority of those foregoing treatment cite the cost of higher deductibles and copays as the top concern [...]
Recently released IRS notice 2019-50 has reestablished the health insurer tax (HIT) for 2020, which had been previously suspended for 2019. The Affordable Care Act (ACA) imposes an annual, non-deductible health insurer tax on insurance companies that offer fully-insured plans and applies to all insurers offering fully-insured coverage, including plans sold via the exchange or [...]
A study based on several years of data, published in the Journal of Human Nutrition and Dietetics, showed that increasing water consumption by one to three cups a day decreased total calorie intake by between 68 and 205 calories. Intake of sugar and cholesterol were also reduced as a result of drinking more water. [...]
In late June, President Trump signed an executive order directing HHS to develop rules requiring hospitals to publish clear and understandable pricing that reflects what people will actually pay for services. HHS Secretary Alex Azar added that the order should also make certain that providers and insurers provide patients with information about potential out-of-pocket costs [...]
For Members of a Local Association, the Answer Is YES! Every time we talk with fully-insured employer groups about the advantages of Self-Funding, we emphasize that unlike fixed monthly premiums, Self-Funding offers the potential for savings. When claims are at or below anticipated levels, the savings remains with the plan rather than an insurance company. [...]
A recent article described a high school student who was inspired to attend a local community college for two years before transferring to a 4-year state university rather than attending the state university immediately after graduation. His decision resulted from taking a financial literacy class at his high school, which made him realize that his [...]
The IRS recently published finalized rules easing restrictions on health reimbursement arrangements (HRAs) to allow employers to provide their workers with tax-preferred funds to pay for the cost of health insurance coverage they buy in the individual market. The regulation is part of the Trump Administration’s commitment to deliver more health coverage choices to Americans. [...]