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Three years ago, Indiana Gov. Mitch Daniels received praised for his state's consumer-driven health plan program. Now, facing federal mandates, the Republican advises HHS to either change the regime, or be prepared to battle with the states.

Americans remain consistently split on health reform - and fickle on the specifics. Why recent polls may (or may not) indicate major change ahead.

Newly proposed health reform rules will allow states to probe health rate increases, and will require carriers to justify unreasonable hikes.

The National Association of Insurance Commissioners ended its year last week with a special joint conference call of its Executive and Plenary Committees.

As employers face rising medical costs, brokers brace for a hit on their group benefits revenue. Meanwhile, Congress is taking a critical look at hundreds of health plans that have been able to dodge a new federal requirement.

Industry groups will seek Congressional intervention to change MLR rules on agent compensation.

Health care affordability is placing an escalating strain on employees and dwindling satisfaction with their health plans, especially as costs are growing faster than inflation and income increases, finds a Towers Watson survey.

Don't expect much in the way of change. At least not yet.