Though the federal government pays the monthly premium for qualified low-income consumers on an ACA plan, the policies often come with copayments, deductibles, and other out-of-pocket costs.

It's well understood that the traditional performance review process is plagued with problems, including bias and inefficiency.

Support is especially critical to lower-salaried employees, who are more likely to delay or forgo preventive care, regular check-ups, surgeries, and even dental appointments, which were delayed by COVID.

Expert estimates suggest that up to a tenth of all health care spending might be swallowed by fraudulent operations. The insurance industry insists it's vigilantly safeguarding these funds, but the unnerving reality reveals a different story.