Ballad Health sued more than 6,700 patients over medical debt in 2018, according to The New York Times. Did they make "reasonable efforts" to collect payment, as the ACA requires?

Given the various proposed legislation for PBM reform, benefits brokers would be well served to be fully aware of the changes, be able to explain how they might affect their clients, and in the best-case scenario, be prepared to offer recommendations for plan changes and employee communication.

Employers that create a workplace culture of transparency, empathy and authenticity can help put ideas into action and pave the way for a more equitable approach to health.