Health care spending is a major problem in our nation. But just whose fault is it?

Forty-five percent. Did you see that? According that infamous Aflac survey, nearly half of you wont be reading this column soon. Seriously yall, I think its time for a little prayer meeting.

An increasing number of American adults lack health insurance, according to new Gallup numbers, and fewer than ever are getting it at work.

What do employers want from benefits brokers? More than what brokers are offering.