The idea of the shared-savings programs is to give policyholders an incentive to look for cheaper health services.

Their increased confidence is causing more than a few small business owners to grow their businesses--and their benefits.

The proposed rule will repeal and replace significant portions of Section 1557, such as the definition of discrimination "on the basis of sex."

Friendliness is not all would-be retirees should look for, especially since there are plenty of other issues to consider.