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Cyber Insurance 2023 Market Outlook

  Evolving technology, increasing threat vectors, and growing attacker sophistication have continued to drive up both the frequency and severity of cyber incidents, resulting in an ongoing rise in cyber insurance claims and subsequent underwriting losses. Amid these market conditions, most policyholders experienced higher cyber insurance rates throughout 2022. In addition to increased premiums, insureds…

Employers Use Patient Assistance Programs to Offset Their Own Costs

DECEMBER 6, 2022 Anna Sutton was shocked when she received a letter from her husband’s job-based health plan stating that Humira, an expensive drug used to treat her daughter’s juvenile arthritis, was now on a long list of medications considered “nonessential benefits.†The July 2021 letter said the family could either participate in a new…

Behavioral Telehealth Loses Momentum Without a Regulatory Boost

  JANUARY 10, 2023 [UPDATED on Jan. 11] Controlled substances became a little less controlled during the pandemic. That benefited patients (for their health) and telehealth startups (to make money). Some potentially addictive medications — like buprenorphine and Adderall — are now far more available online to patients because of regulatory changes. Given the scarcity…

Mistrust and Polarization Steer Rural Governments to Reject Federal Public Health Funding

  NOVEMBER 18, 2022 ELKO, Nev. — When Elko County commissioners rejected a $500,000 grant from the Centers for Disease Control and Prevention that could have helped the county create a health department or health district, Kayla Hopkins pleaded with them to reconsider. Hopkins, who has lived for nearly nine years in the sprawling rural…