Every broker knows that cross-selling additional employee benefits can be lucrative. But sometimes it makes more business sensefor both the client and the brokerif certain benefits are sometimes sold separately.

More Americans say theyre having trouble paying medical bills and are delaying care as a result of high medical costs, according to research from the Kaiser Family Foundation.

This is the last in our series of columns on the industry results for 2011.

A new study presents yet another reason consumer driven health plans might be a better way to go.