Let's start with the idea that the assessment may be cheaper than offering coverage.

If they were to lose their job today, just 18 percent of those 34 and younger believe they could last a year without suffering economically.

Small businesses need brokers' help.

Payrolls climbed in 34 U.S. states in March and unemployment rates fell in 21, showing the job market was making progress across much of the worlds largest economy.