Blog Posts

If you’ve been paying attention to the small group health insurance market, you know something isn’t quite right. Premiums continue to rise.Carrier participation is shrinking.And more small employers are asking a difficult question: “Can we still afford to offer health insurance at all?” For many, the answer is becoming no, or at least, not in […]

Two recent pieces, BenefitsPRO’s coverage of the 2027 ACA draft rules potentially pushing small firms toward the individual market and HealthDay’s headline that new rules could allow very high deductibles (up to $31,000 for families)are getting framed mostly as a consumer-cost story. But there’s another angle worth emphasizing: these changes contain real, market-friendly upsides if policymakers are honest about what actually drives premiums, i.e., benefit mandates, regulatory expansion, and

Healthcare reform is back on the national stage—again. The Trump administration has released a broad healthcare framework that’s being marketed as a “Great Healthcare Plan.” It’s not a full bill yet, and many details are still vague, but the direction is clear: this plan isn’t about expanding traditional insurance coverage. It’s about changing how people pay

In 2026, hospital billing has become such a minefield that even experienced patients can be blindsided by seemingly innocuous line items. According to a recent SavingAdvice.com piece, there are five hospital billing codes that routinely trigger higher charges, sometimes without any clear notice up front. Hospitals in the U.S. use a chargemaster, an internal price list containing every billable item

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