The first several months of 2012 have brought with them a welcomed change for small to mid-market employers, from their experiences of recent years. Health insurance cost increases have remained flat (that's right, No Change) for many that renewed their plans in the first 6 months of 2012. Depending upon what side of the political spectrum that you fall on, this can be spun many different ways (and it is). I will attempt to refrain from the political and try and focus on what some of the drivers of this welcomed change might be. This begs the following questions:

• Should we anticipate that this may be a look at things to come, or merely a temporary reprieve from 10 years of close to double digit increases?

• Why is it that our local managed care organizations are now using prospective trends for experience rated plans in the area of 6 - 7%, when nationally the figure is closer to 9%?  

There is no simple answer; I have listed below some of the events that have strongly influenced this welcomed change.  Read More

There are 1,440 minutes in every day. Schedule 30 of them for physical activity!

Regular exercise is a critical part of staying healthy. People who are active live longer and feel better. Exercise can help you maintain a healthy weight. It can delay or prevent diabetes, some cancers and heart problems.

Most adults need at least 30 minutes of moderate physical activity at least five days per week. Examples include walking briskly, mowing the lawn, dancing, swimming for recreation or bicycling. Stretching and weight training can also strengthen your body and improve your fitness level.  Read More