I'm sure you've heard the phrase "start off on the right foot." It's a guideline that can be applied to everything in life from starting a new career to getting married.

The National Association of Insurance Commissioners filed a letter to Health and Human Services Secretary Kathleen Sebelius on Wednesday, highlighting issues that have come up as they get closer to concluding work on medical loss ratio definitions.

Last week I fired off e-mails to nearly 20 different brokers. I needed sources for a story.

The nonpartisan Employee Benefit Research Institute examined data for private-sector establishments in 2009: