Developing Human Capital

Human Capital: Enabling Employees to Build Their Resources

A recent article in The Economist magazine discussed various theories and principles of “human capital”. As stated in the article, “human capital refers to the abilities and qualities of people that make them productive” and that while knowledge is the most important form of human capital, it is not the only form of human capital. […] Read more »
ACA Replacements, Risk Pooling and Adverse Selection

Large Numbers, Risk Pooling and Congress

As Republicans in Congress continue their efforts to repeal and replace the Affordable Care Act, they keep on looking for new ways to separate portions of the insurance markets’ risk pools into different segments. For example, proposals from both the House of Representatives and the Senate would have made it easier for insurance companies to […] Read more »
Avoiding Traps in Coordinating Medicare and Employer Health Coverage

Medicare and Your Employer Health Coverage: Too Much of a Good Thing?

More Americans are working past 65 and continue to have employer-sponsored health insurance. However, the intersection of Medicare and employer coverage has a number of traps for the unwary and some of these traps come with real financial consequences. This makes it more important than ever that you (and your employer) understand the complex rules […] Read more »