GLG News by Life & Health Insurance Experts

Daniel BucklePrincipalEmployee Benefit Resources of South Texas

Not so fast

April 19, 2006

Analysis of:Robust Health Insurers Suffer Infirmities in 2006 | www.nytimes.com

This article contains a number of assumptions which may not prove accurate including;
1. Run-up of healthcare stocks has left little upside.
2. Consumer driven healthplans mean lower revenue and lower claims costs.
3. Companies with a smaller Medicare part D enrollment may be more attractive to investors

Daniel BucklePrincipalEmployee Benefit Resources of South Texas

Study Shows Employers Bundling More Benefits with Health

April 12, 2006

Analysis of:Study: Employers Offering More Benefits in Tandem | www.plansponsor.com

As employers embrace consumer driven heathcare benefits they are rapidly eliminating organizational silos while coordinating and integrating benefit delivery. This trend has implications for benefit carriers lacking multiple products which can be bundled or integrated seamlessly as employers strive to control health, disability and absenteeism costs.

Daniel BucklePrincipalEmployee Benefit Resources of South Texas

Consumer Driven Consequences Will Impact Insurer's

April 11, 2006

Analysis of:Words to the wise - Engaging and empowering baby boomers to prevent and treat disabilities | www.benefitnews.com

The confluence of baby boomers aging and consumer driven healthcare options is increasing the awareness of employees that they can influence their own health everyday via lifestyle decisions. Many employees are being incentivized to take health risk assessments which identify specific diseases they are at risk to develop along with the action steps they can take to avoid sickness. Employers are also in a position to utilize aggregate medical claim costs to target the top drivers of cost within their health plans while developing contingency plans to reduce claim costs and in so doing also reduce absenteeism costs. Traditional Disability insurers are not necessarily positioned to capitalize on the consumer driven healthcare movement and may lose marketshare to health insurers who are better positioned to deliver products and services that employers are prioritizing.

Daniel BucklePrincipalEmployee Benefit Resources of South Texas

Massachusetts Healthcare Bill to Break the Bank

April 11, 2006

Analysis of:Bill of Health | cato.org

Everything you need to know about why the Massachussetts healthcare bill is destined to fail.

Daniel BucklePrincipalEmployee Benefit Resources of South Texas

Using Common-Sense to Control Healthcare Costs

April 11, 2006

Analysis of:The Doctor is In-House | www.shrm.org

Employers are bringing clinicians in-house as an effective means of reducing the cost of healthcare as well as workers compensation,  short term disability and long term disability. Employers are also direct contracting for these services which complement the efforts of their Healthcare vendors. Proactive efforts which effectively reduce the cost of providing employee benefits can impact an employers profitability positively and a health insurers negatively. The failure of health insurers to control costs has progressive employers pursuing solutions and succeeding on their own via the application of common sense.

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