The recent BenefitsPro article, “Trump pushes ‘cash-for-coverage’ accounts for health insurance,” frames these accounts as a modern, consumer-centered upgrade to health benefits. On paper, the idea sounds empowering: give people cash, let them shop for their own plan, and call it freedom. But in practice, these proposals shift responsibility—and risk—onto individuals who are already navigating one of

By James I. Rodriguez, President & CEO, TexHealth Central Texas When it comes to health care, too many Texans have learned the hard way that hospital bills can feel like they cost an arm and a leg. But now, one health economist is asking Americans to do something bold: share those bills — not to

Nearly 30% of residents in the McAllen metropolitan area are living without health insurance—the highest rate in Texas, and one of the highest in the nation. According to a 2023 analysis by ValuePenguin using U.S. Census data, recently highlighted by MySanAntonio, almost one in three people in McAllen remain uninsured. Texas Struggles More Than Most The problem

A major shift is on the horizon for the Affordable Care Act (ACA) marketplace—and it all comes down to the potential expiration of enhanced premium tax credits introduced during the pandemic. Originally put in place by the American Rescue Plan, these subsidies significantly lowered the cost of insurance for millions of Americans. But unless Congress

With large shifts in Medicaid eligibility and federal healthcare funding underway, new tools like expanded HSAs and smarter HRAs may play a critical role in helping small employers and working families stay covered.  The recently passed “Big Beautiful Bill” introduces 14 significant updates to Health Savings Accounts (HSAs) and Health Reimbursement Arrangements (HRAs). These changes

It’s happening. I’ve been watching the evolution of ICHRA (Individual Coverage Health Reimbursement Arrangement) for a few years, knowing it had the potential to transform small business health insurance. Now, I’m fully convinced that transformation is underway. Why? Because JPMorgan just got involved. The linked article references pre-COVID data (2018–2019)—not exactly relevant for today’s strategy—but it does

A new Episcopal Health Foundation (EHF) poll highlights the growing challenges Texans face in accessing and affording healthcare. The survey found that 63% of Texans have skipped medical care due to cost, and 41% struggle to pay medical bills. Texas, which has the highest uninsured rate in the country, remains one of the few states that has yet to expand Medicaid. Medical

The Trump administration plans to defend the Affordable Care Act (ACA) mandate that requires insurers to fully cover certain preventive services, including HIV-prevention medication, regardless of religious affiliations. On February 18, the Justice Department filed a brief with the U.S. Supreme Court backing the Biden administration’s position in a case regarding whether employers can exclude

As we step into a new year, significant updates to federal hospital price-transparency rules are taking effect, making it crucial for patients to understand the implications for their healthcare choices. The Centers for Medicare and Medicaid Services (CMS) is ramping up enforcement of these rules as part of a broader initiative that began in 2021.

A recent analysis by the Urban Institute reveals that if the enhanced federal subsidies for health plans under the Affordable Care Act (ACA) expire in 2025, up to 4 million Americans could lose their health coverage. The expiration of these subsidies could lead to a 16% increase in the uninsurance rate, with a dramatic 42%