HR & Employment

AEP Is Defense, IEP Period Is Growth: The Year-Round Acquisition Market in the U.S. Most Health Insurance Carriers Ignore

The health insurance’s fixation on the Annual Enrollment Period (AEP) creates a structural blind spot: the daily flow of Americans turning 65. AEP is largely a defensive, switching market compressed into 54 days; The Initial […]

Emerging Risk

The Open Enrollment U.S. Health Insurance Staffing Math: Why Fixed Licensed Headcount Is the Wrong Answer

Open enrollment staffing in the United States is an economics problem disguised as a hiring problem. Carrying licensed headcount to your seasonal peak wastes money for ten months a year; rebuilding a temporary licensed force […]

Administration

Why 2026’s Annual Enrollment Period (AEP) Will Punish Under-Prepared U.S. Health Plans — and How the Best Are Staffing Ahead

The Annual Enrollment Period is won in July, not October. In 2026, a wave of plan exits, the new $2,100 Part D out-of-pocket cap, and thinning enhanced drug benefits will force an unusually large share […]