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Bringing a baby into the world should be joyful. But when something unexpected happens — a premature delivery, a medical complication, or a stay in the neonatal intensive care unit (NICU) — families often face a second wave of shock: the bill.  Let’s follow one family through the same event — a premature birth that leads…

When people hear the term “fixed indemnity health plan,” they often think of limited-benefit coverage — plans that pay small, preset amounts for medical services and rarely cover the full cost of care. These plans are considered supplemental insurance, not comprehensive coverage. Importantly, fixed indemnity plans are not ACA-compliant, meaning they don’t meet the standards…

A bright and resilient young girl lives with Williams Syndrome — a rare genetic condition that affects multiple systems of the body, including the heart. Since infancy, she has faced complex congenital heart disease requiring multiple procedures. When her condition progressed, her doctors determined she needed a pulmonary artery reconstruction — an extremely rare surgery.…

For decades, insurance networks promised to control healthcare costs. In reality, they’ve delivered restrictions, unpredictable pricing, and confusion for both employers and members. Our new white paper, The Rise and Fall of Insurance Networks, exposes why the “better network” myth persists — and how hidden price volatility undermines value.  But it’s not just about what’s broken. The paper also reveals a new blueprint: a no-network model…

For decades, employers have faced a frustrating pattern: year after year, healthcare premiums rise unpredictably — often outpacing inflation and budget forecasts. Every renewal season feels like a negotiation with no leverage, leaving benefits managers forced to choose between absorbing costs, passing them onto employees, or cutting back on benefits. It’s a cycle that’s not…

The U.S. healthcare system is meant to serve its people, yet millions of Americans struggle with rising costs, limited access, and a system that feels more burdensome than supportive. At the root of the problem is a legacy insurance model that prioritizes profit over patient well-being, making it nearly impossible for consumers to make informed…