Healthcare is going through a massive transformation: 14 predictions for 2023

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14 Predictions on What the Future of Healthcare Will Look Like Patient-centric, seamless, connected and personalized — say Cigna execs

Healthcare is going through a massive transformation. Everything from the explosion of digital adoption to the plethora of data now available to the ever-changing expectations from patients and other healthcare constituents means there’s no shortage of drivers of this evolution.

The future of healthcare will be digital-first, personalized for the individual, seamless and connected, and most importantly, patient-centric, say executives from Cigna Corporation (the parent company of Cigna Healthcare and health services organization Evernorth). More of their predictions on what the future of healthcare will look like are below. Link to 14 Cigna executive opinions. Full article


Segal Survey Finds Health Care Plan Costs Experienced Steepest Climb in a Decade
Prescription Cost Trend Continues to be a Major Driver of Expected Cost Increases

Prescription drug costs continue to surge and raise health care costs, as per the annual Segal survey. Comparing drug pricing to the Consumer Price Index (CPI) demonstrates their steep climb. Full article


sponsored by Word & Brown

California’s New Pay Transparency Law

California recently adopted new and expanded pay transparency and pay reporting requirements, effective beginning January 1, 2023. Under the new law (Senate Bill 1162), employers with 15 or more employees must include the pay scale for a position in any job posting, internal or external, including those posted by third parties or on third party platforms. Read more from

California Provides Some (But Not Much) Guidance on New Pay Scale Disclosure Requirement: 6 Key Takeaways for Employers

California officials recently updated their Equal Pay Act FAQs to answer a handful of questions about the state’s new pay transparency requirement for job postings — which goes into effect on January 1. But California employers who were expecting their stockings to be filled with clarifications and insightful guidance from the state may instead be left feeling like they received a lump of coal. Fisher Phillips Insights here. 


Sponsored by Applied General Agency Inc.





Some Medicare costs are heading higher in 2023, while others are going down. 

Here’s what you need to know

  • Among the Medicare costs going up are deductibles and copays for Part A, which provides hospital coverage.
  • The standard premium and deductible for Part B (outpatient care) are lower next year, as are average premiums for Advantage Plans and Part D prescription drug coverage.
  • There also will be a monthly $35 cap on cost-sharing for insulin under Part D, and all recommended vaccines will come with no cost. Read more here.


Three Tips for Maintaining Your Resolutions All Year Long

The challenge with keeping resolutions often stems from committing to change without a clear reason why. Nicole Stelter, Ph.D., LMFT and director of Behavioral Health for Blue Shield of California, offers three tips for crafting thoughtful New Year’s resolutions that won’t melt away before 2024.

  1. Make it specific and timebound. 
  2. Make it realistic, given the time and resources you can commit. 
  3. Connect it to a purpose.  Dive deeper here.

What makes a good life? Lessons learned from the longest study on happiness by Harvard

We forget some of life’s key lessons in the vast number of memories we might have acquired throughout the years. To combat this, Harvard University ran the longest study of adult life that’s ever been done. The Harvard Study of Adult Development tracked the lives of 724 men for more than 75 years, asking about their work, their home lives, and their health. Here’s what they found out about what really keeps people happy and healthy.

1. Social connections are good for us, and loneliness kills. It turns out people who are more socially connected to family, to friends, to the community are happier, they’re physically healthier, and they live longer than people who are less connected.
2. Keeping your close relationships, closer. It’s not the number of close friends you have, or whether or not you’re in a committed relationship, but the quality of your close relationships that matter.
Good relationships don’t just affect our bodies, they protect our brains. People who are in relationships where they feel they can count on the other person in times of need memories stay sharper and longer. Go deeper here.


CEO Required Reading: U.S. Surgeon General Framework On Workplace Mental Health

Last month, the leading public health authority in the U.S. released a new report that outlines mental health standards for the workplace and comes packed with actionable recommendations. The first-ever U.S. surgeon general’s report on workplace mental health outlined the foundational role companies can play in promoting and protecting mental health. It provides a roadmap for employers as to why they should invest in mental health and wellbeing and how they can strengthen their organizations by doing so.

The report identifies five essential human needs that create the foundation for a mentally strong and resilient workplace: protection from harm; connection and community; work-life harmony, mattering at work, and opportunity for growth. Read more.

2 Million Calls, Messages To 988 Mental Health Helpline In First Six Months

“The call volume is, in some instances, well beyond what we anticipated,” Miriam Delphin-Rittmon, assistant secretary for mental health and substance use in the Department of Health and Human Services (HHS) told the AP. Link here


Sponsored by TWH

A Frozen Capital Market and an Insurance Premium Shock:
10 healthcare predictions for 2023 from top investors

Welcome back to predictions season. We are pleased to share what we see in our still murky, and materially more dinged-up, crystal ball for 2023. Read more from

New RMD Rules: Penalties, Roth 401(k)s and More

Congress just passed the SECURE 2.0 Act, which makes major changes to retirement rules around required minimum distributions (RMD). Read more


NAHU is now NABIP 

We’re a few days into the new year and we’re so excited to officially be National Association of Benefits and Insurance Professionals (NABIP)!

Here are a few reminders and resources to help with the name change:

  • Please go to and bookmark the sections you frequently use (e.g., Find An Agent and Chapter Resources). 
  • Our physical address and staff phone numbers will remain the same, but our email addresses will change to this format: Click here for general contact info. 



  • Jan. 18, 10:30-11:30 am PST, CAHIP Annual Legislative Update with Faith Borges, CAHIP Lobbyist and Dawn McFarland, CAHIP VP of Legislation. Virtual via Zoom. Online Webinar. Register
  • Jan. 19, 10:30-11:30 am GGAHU Federal Legislation Update Webinar with Marcy M. Buckner, SVP, Government Affairs, NABIP (formerly NAHU). Register.                
  • Feb. 9, 8:00 am PST, OCAHU Annual Sales Symposium, Fullerton. Keynote speaker, Andy Hill, motivational speaker, former president of CBS Productions, and author of the book “Be Quick – But Don’t Hurry: Finding Success in the Teachings of a Lifetime.” More info.
  • Feb. 23, 11:30–1:30 pm PST by Zoom, 70th Annual Will G. Farrell Award & Leadership Recognition Event, sponsored by NAIFA-LA and FSP. Info:
  • March  4, 9:00-1:30 pm PST, by zoom: WIFS-LA Women’s Forum “Embrace Empowerment.” Info:


  • March 13-15, Ellevate Women’s Leadership 2023 Summit, JW Marriott just outside Las Vegas. Register. 
  • May 8-10, CAHIP Capital Summit, Kimpton Sawyer Hotel, Sacramento. Register.

January Print Issue out now!

Don’t miss these articles:

Become a “Culturally Competent Benefit Champion”
Be a superhero for your clients to inspire DEI awareness and practice in 2023
By Wayne Guzman

2023 Insurance Trends: U.S. versus the World
3 Key U.S. consumer trends revealed by Remark Global Survey
By James Macdonald 

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