Meet Benefits Selling's 2014 Broker of the Year finalists. John Cerasani is finalist No. 1.

Theres one big issue with the exchange sites few experts were able to predict: fraud.

Sometimes we lose perspective in the health care debate, so maybe it would help to look at how other countries have addressed health care delivery and funding.

Although millions of Americans use some form of corrective lenses to see, when employers break out their vision plans as an ancillary benefit, the rates at which employees sign up for and use the plans drops dramatically.

Despite a bad rap, vision coverage is evolving in todays increasingly consumer-driven market.

What went wrong with the federal exchange website and why? But maybe more importantly, what now?

There was a time in the United States when HMOs were the biggest thing in health care. They still are in Israel, a country thats been using HMOs as major care providers (and, later, the countrys primary care provider) since before the state was even created.

Physicians are opting out of exchange contracts for one big reason: They dont pay at least, not enough.