The 80-20 rule and its unintended consequence

A little background information:When the Affordable Care Act was launched in 2011, it included a new rule for governing the Medical Loss Ratio (more information on the MLR here) for health insurance companies. It’s become commonly known as the “80/20 rule,” and it’s gotten quite a bit of press lately. The objective of the rule was…

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Healthcare needs a hero

Since the inception of the Affordable Care Act, many employers have been concerned about the looming “Cadillac” tax scheduled to take effect in 2018. Insurance companies and employers with self-funded health plans will be on the hook for this excise tax—to the tune of a 40% penalty on the value of their health plans in…

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