Thought Leadership


Axion RMS Mar 09, 2017 0 Comments

ACA Reform: A Sneak Peek into the new American Health Care Act

By: Alex Koglin, Axion RMS

  After much anticipation, House Republicans have revealed their alternative to the Affordable Care Act. The new American Health Care Act promises many changes ranging from tax incentives to a halt on Medicaid expansion. Despite meaningful progress, the bill faces challenges. Even among republicans, there is still discord between moderate and hard-right conservatives like Rand Paul, who has dubbed the new plan “Obamacare Lite.” The bill has yet to receive a price tag, and certain features, such as opening state lines to promote competition are noticeably missing (President Trump tweeted on March 7th that the elimination of state lines will be rolled out in phase 2 and...

Axion RMS Feb 20, 2017 0 Comments

Financial Wellness: How it Impacts the Health of Employees

By: Brandon Collins, Axion RMS

What is a Financial Wellness Program? Workplace wellness programs first rose to prominence in the late 1980s. The original design of the programs addressed physical and mental well-being for employees through lifestyle and disease management. According to IBIS World, a leader in industry market research, the wellness industry generates nearly $6 billion in revenue. While physical and mental health are important for employees, an emerging topic the last several years is financial wellness. These programs include retirement planning, debt management, budgeting, and investing to name a few. A recent CNBC article reported 55% of companies offer one of these...

Axion RMS Feb 17, 2017 0 Comments

What's Next with ACA: Will the Individual Health Insurance Subsidy Survive?

by: Jim Lill, CEO, Axion RMS

As the new administration takes its place in history and its detractors in both political parties grouse about minor issues, most Americans want to know what is next with the Affordable Care Act (ACA). Here’s what I know. The individual mandate is under attack.  First, it CANNOT survive as it exists now.  Insurers are paying out more in claims than they are taking in in premiums, and they are leaving the marketplace in many U.S. counties. Young insureds are not opting for these plans, leaving insurers with older and...

Axion RMS Feb 03, 2017 0 Comments



5 Ways to Mitigate High Cost Claims

By: Alexander Koglin, Benefits Consultant, Axion RMS

While America waits for the Trump administration to deliver the change to healthcare that in part elected him, the reality is that high costs are here, and immediate action is necessary. According to The Kiplinger Letter, 10% of patients currently account for 65% of health costs. While we wait for our political leaders to act on lowering healthcare costs, here are 5 things you can do to mitigate high cost claims. Partial Self-Funding  Think of it this way—when...

Axion RMS Jan 16, 2017 0 Comments


Shifting Power: How Will the DOL Affect Healthcare?

by: Jake Doman, Benefits Consultant, Axion RMS

Abstract Many continue to speculate the future of the Healthcare sector as it pertains to the Affordable Care Act and new Department of Labor laws. As President Elect Donald Trump takes the stage, he looks toward Andrew Puzder as Labor Secretary. Besides the debate between the right and left wingers, a big discussion on increasing the minimum wage laws will occur - some speculate as high as $15/hr - not only does this change the playing field...

Axion RMS Dec 04, 2016 0 Comments


The End of ACA 2017 and Beyond: Trends in Employer Paid Health Insurance

by: Jim Lill, CEO, Axion RMS

We have a new president-elect who promises to change health care as we know it. It appears that the Affordable Care Act’s demise, at least in part, is at hand. So what’s next? I believe the employer mandate for the most part will cease to exist. Furthermore, the individual mandate will have a different look and feel, and it too may go away. What won’t go away is health insurance for the 20 million+ people who have signed up for the exchanges or Medicaid. The individual mandate poses a huge problem because, simply...

Axion RMS Nov 15, 2016 0 Comments

The Death of ACA and the Future for Employees

by: Jim Lill, CEO, Axion RMS

My opinion is that the ACA employer mandate will be repealed.  Why? Besides the immense unpopularity of the employer mandate by business owners,  market pressures should continue to motivate employers to provide health care for the purposes of attracting and retaining employees and staying competitive in the workforce marketplace.  I’m not sure the egalitarian tenets of ACA are viable in a capitalistic society like ours. I predict ACA as...

Axion RMS Oct 03, 2016 0 Comments

ACA: Bad News for State Government Finances

By: Jim Lill, CEO; Axion RMS, Ltd.

With the impending collapse of the Affordable Care Act’s state exchanges and the belief that Medicaid or some other form of government-sponsored plan will replace private insurance now used in the exchanges, the outlook for state finances appears to be grim. Since the end of the Great Recession, most states have benefited from economic growth and improved employment numbers.   As a result, state treasury coffers have been filled with increased state income and sales tax revenue.  But any bliss appears to be short-lived. At the...

Axion RMS Sep 27, 2016 0 Comments


Employers Want Cost Savings/Benefit Brokers Look to Improve Service and Relationships

By: Jim Lill, CEO; Axion RMS, Ltd.

  Prudential Insurance recently released its employee benefits report Ninth Study of Employee Benefits: Today and Beyond. I found it very curious that the study/ survey found that benefit brokers top business objectives in 2016 are:  
  1. Retaining current customers
  2. Increasing productivity and efficiency
  3. Increasing customer...

Axion RMS Sep 15, 2016 0 Comments

Future Thinking: Coupling HDHPs and Telemedicine

 By Alex Koglin, Axion RMS, Ltd. 

  Switching to a high deductible health plan can save a group serious money today, but what is the long-term impact tomorrow if low-income employees are not utilizing their plan when they need it most? A recent analysis by EBRI revealed a large disparity in HDHP plan utilization...