Alan Goforth

Step 1: Gather as much information as you can before establishing a vaccination policy.

A compromise deal struck earlier this month was a win for hospitals and doctors, and tweaks made in the final legislation are even friendlier.

More than 70% of those reporting discrimination said they have faced it more than once.

Nine out of 10 brokers said in a recent survey that they have clients asking about self-funded products.

Under the final rule, the agencies generally would maintain existing rules for grandfathered plans, with two modifications.

But 38% say they'll spend 2021 in 'survival mode,' focusing on the day-to-day to try to get themselves and their families through the next year.

Looking back, "we saw health systems doing 20 years of innovation in 20 days," says one industry leader.

Eighteen percent of those living on the West Coast reported a plan to spend more, compared to only 10% of Northeasterners.