William Schiffbauer, a lawyer who has been working on federal health insurance legal issues for years, says any suggestion that the health care cost-sharing ministry case, Renteria v. New Mexico Office of the Superintendent of Insurance, could affect the class of "non-ACA" products known as "excepted benefits" "sails way, way off course."

Despite ongoing growth in patient revenue, U.S. hospitals and health systems face persistent margin pressure due to rising non-labor and supply-related costs.

The ARVA method calculates safe, flexible withdrawals each year based on market values and expected longevity, avoiding the static limits of the 4% rule.

Personalization is no longer optional in benefits. Neither is trust.