Core and Group Health

Some 55 million people in the U.S. are considered "low wage" with median annual earnings of about $18,000.

Deductibles are increasing fastest in Hawaii, Alabama and Iowa, but they're still nowhere close to the most expensive.

Drivers include drug overdoses, suicides and diseases brought on by smoking, obesity and stress.

The growth of refunds is fueled in part by the ongoing practice of shifting costs to consumers via deductibles and copays.

It's not the simple and practical occurrences that cause us headaches, but rather it's the atypical situations.

This article is the fourth in a five-part series that takes you step-by-step through the process of becoming a next-generation advisor.