Half of Americans dont think they have the right level of insurance. And worse yet, they dont really care.

If brokers don't embrace private exchanges, they will eventually find themselves out of a job, panelists say.

How did adoption of a private exchange go? Four benefits managers from small and mid-sized firms share what their companies went through.

We talk about [consumerism] over and over and over, and nothing seems to happen with it, said Ann Mond Johnson, chair of benefits platform ConnectedHealth. But youve got to keep being optimistic.

Navigators and assisters helped a lot of consumers and were key to 8 million signups during PPACA's first open enrollment period. But the navigator program wasnt without its challenges.

Small- to mid-size employers and employees are shifting their attention from HRAs to HSAs.

The investment is part of the newly launched Medicaid Innovation Accelerator Program.

Excluding broker commissions from the medical loss ratio would have slashed the more than $1.6 billion in carrier rebates to consumers in 2011 and 2012 by about 75 percent.