The three health insurers have been hit with lawsuits by the Healthcare Justice Coalition NJ, which claims that doctors are paid just a fraction of their bills for out-of-network services provided.

Almost 4 in 10 at some point have been unable to afford rent, groceries or utilities because of medical bills.

Encouraging participation in benefits today can help to lay the groundwork for an easier re-enrollment tomorrow. With that in mind, here's how brokers can get started.

Higher medical costs for employer-sponsored plans are due to advances in treatments and health care consolidation trends, as well as specialty drug use and the new GLP-1 class of weight loss drugs, says a new report.