As I write this, President Trump stands in the Rose Garden at the White House, celebrating the passage of an Obamacare replacement bill in the House he says will bring down both premiums and deductibles.

Jennifer Joye is a benefits producer at Watson Insurance Agency, which opened its doors in 1934. With offices in North and South Carolina, Watson employs over 70 associates who are committed to furthering their education and continually adapting to new, innovative technologies.

We asked some industry experts on how voluntary products have changed over the years. Here is what they had to say.

Is the GOPs giddiness about the passage of a bill to repeal and replace the ACA premature? And just as importantly, could it be sending the wrong message?

Amanda Osburn is a broker associate at SullivanCurtisMonroe, a privately-owned full-service insurance brokerage offering customized solutions for commercial risk, employee benefits, and personal lines for over 80 years.

After years of criticizing Obamacare and promising to repeal and replace it with something great, the GOP recently ran headlong into the brick wall of reality.

As most of you know, we work hard to bring you the latest news related to health care and the benefits world.

Most voluntary insurance plans cover a small percentage of employees who experience catastrophic events, but the plans do not address most expenses incurred when an employee accesses care before they have met their deductible.