Joseph Andelin

Healthcare costs in America are seeping into nonhealthcare companies’ earnings announcements. None of those companies discussed healthcare this time last year.

Being overinsured means you’re financial divorced from both the short-term cost and the impact of long-term health decisions.

In healthcare, brokers help most companies buy, manage, and choose healthcare plans. But, judging by rates of change, spending trends, and objectivity, it’s debatable where they’re adding value and how keen their eye is for innovation.

While incentives and penalties are effective at getting people to complete health risk assessments, the assessments do not lower costs or increase wellness.