Lester J. Morales

The late Marshall Allen, an award-winning investigative journalist and book author, inspired legions of benefits professionals to seed better solutions.

A transparent fee-based compensation, plus a percentage-of-savings bonus, will motivate advisers to bring cost and quality goals to fruition.

At the core of strategic decision-making lies an understanding of the power of choice, human behavior and effective communication.

Contrary to popular belief, it's absolutely possible to align incentives, pay less for claims and fix consumerism.

Claims data will guide the health plan to savings opportunities and transformational benefits.

Employers and advisers need to stop trying to insulate employees from true costs and decisions around health insurance.

Between inflation and continuing financial struggles for those living paycheck to paycheck, adopting a more thoughtful approach to open enrollment shows you care about clients.

By helping reduce copays, deductibles and the cost of prescription drugs, we can save millions of working Americans from financial ruin.

Using a data-driven approach will produce better results and at a lower cost.

Want to be a true warrior in the eyes of your clients? Start by recognizing the need to do better on finding proven healthcare solutions.