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	<title>WGA InsureBlog &#187; insurance rates</title>
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		<title>WGA InsureBlog &#187; insurance rates</title>
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		<item>
		<title>Ask the Experts: Healthcare Reform and medical loss ratios</title>
		<link>http://blog.wgains.com/2010/10/06/ask-the-experts-healthcare-reform-and-medical-loss-ratios/</link>
		<comments>http://blog.wgains.com/2010/10/06/ask-the-experts-healthcare-reform-and-medical-loss-ratios/#comments</comments>
		<pubDate>Wed, 06 Oct 2010 19:27:50 +0000</pubDate>
		<dc:creator>Christopher Nadeau</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[employee benefit plans]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1475</guid>
		<description><![CDATA[Regulators issues draft rules recently on how health insurance companies need to account for how much they spend directly on patients&#8217; medical care. In this installment of &#8220;Ask the Experts&#8221; Chris Nadeau of WGA&#8217;s Employee Benefits Practice talks about the significance of this proposed rule and the potential impact it could have on the system.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1475&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Christopher Nadeau</media:title>
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			<media:title type="html">Chris Nadeau</media:title>
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		<title>SoCal earthquakes happen more frequently and overdue for a big one</title>
		<link>http://blog.wgains.com/2010/08/26/socal-earthquakes-happen-more-frequently-and-overdue-for-a-big-one/</link>
		<comments>http://blog.wgains.com/2010/08/26/socal-earthquakes-happen-more-frequently-and-overdue-for-a-big-one/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 17:03:24 +0000</pubDate>
		<dc:creator>Karen Cangemi</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[earthquake]]></category>
		<category><![CDATA[insurance rates]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1254</guid>
		<description><![CDATA[Reports from researchers at Arizona State and UC Irvine who have investigated earthquakes along the San Andreas fault over the past 700 years suggest that Southern California is overdue for a major shock. These researchers, as reported by the Insurance Journal, outlined that major quakes take place along the Carrizo Plain which stretches 100 miles [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1254&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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			<media:title type="html">kcangemi</media:title>
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		<title>DHCFP Speaks</title>
		<link>http://blog.wgains.com/2010/06/29/dhcfp-seaks/</link>
		<comments>http://blog.wgains.com/2010/06/29/dhcfp-seaks/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 16:37:50 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[insurance premiums]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1086</guid>
		<description><![CDATA[Not everyone is familiar with the Massachusetts Division of Health Care Finance and Policy (DHCFP) as Commissioner David Morales readily admits. But, this state agency is trying to drive health care cost control reform as much as anyone in the state. Alongside Massachusetts Attorney General Martha Coakley and private industry studies such as the McKinsey [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1086&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">Phil Edmundson</media:title>
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			<media:title type="html">DavidMorales</media:title>
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			<media:title type="html">Phil Edmundson</media:title>
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		<title>Promote wellness and control your medical costs</title>
		<link>http://blog.wgains.com/2010/06/18/promote-wellness-and-control-your-medical-costs/</link>
		<comments>http://blog.wgains.com/2010/06/18/promote-wellness-and-control-your-medical-costs/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 19:37:09 +0000</pubDate>
		<dc:creator>Steve Schloss</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[employee benefit plans]]></category>
		<category><![CDATA[insurance premiums]]></category>
		<category><![CDATA[insurance rates]]></category>
		<category><![CDATA[medical costs]]></category>
		<category><![CDATA[wellness]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1048</guid>
		<description><![CDATA[Wellness programs in the workplace are designed to educate and assist employees to live healthier lives. But there is no denying that the overall health of employees can certainly help to reduce medical costs. Did you know that 15% of employees accrue 78% of medical expenses, and that 75% of health care costs are directly [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1048&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">steveschloss</media:title>
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			<media:title type="html">apple</media:title>
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		<title>BP in a catch 22</title>
		<link>http://blog.wgains.com/2010/06/07/bp-in-a-catch-22/</link>
		<comments>http://blog.wgains.com/2010/06/07/bp-in-a-catch-22/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 15:02:46 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[business interruption]]></category>
		<category><![CDATA[claims]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1019</guid>
		<description><![CDATA[Consider the dilemma facing the CEO of BP and the CEOs of other major deep-sea drilling companies in light of the disaster in the Gulf of Mexico as they contemplate possible securities and other liability litigation. Tony Hayward, BP&#8217;s CEO, needs to protect BP&#8217;s reputation in order to maintain loyalty for its consumer products like its gas [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1019&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">Phil Edmundson</media:title>
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			<media:title type="html">BP</media:title>
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			<media:title type="html">Phil Edmundson</media:title>
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		<title>Ask the Experts: Healthcare reform potential impact on primary care doctors</title>
		<link>http://blog.wgains.com/2010/06/03/ask-the-experts-healthcare-reform-potential-impact-on-primary-care-doctors/</link>
		<comments>http://blog.wgains.com/2010/06/03/ask-the-experts-healthcare-reform-potential-impact-on-primary-care-doctors/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 15:26:00 +0000</pubDate>
		<dc:creator>Pete Reilly</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[healthcare risk management]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1003</guid>
		<description><![CDATA[There was an article in the New York Times recently focused on one aspect of national reform, the push for more graduates to become primary care physicians. Pete Reilly of WGA&#8217;s Healthcare Practice takes a look down the road to the potential impact this will have on insurance rates for healthcare providers and the influence it [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1003&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Pete Reilly</media:title>
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		<title>Health insurance blame game: Instead of attacking each other, let&#8217;s attack the problem</title>
		<link>http://blog.wgains.com/2010/05/27/health-insurance-blame-game-instead-of-attacking-each-other-lets-attack-the-problem/</link>
		<comments>http://blog.wgains.com/2010/05/27/health-insurance-blame-game-instead-of-attacking-each-other-lets-attack-the-problem/#comments</comments>
		<pubDate>Thu, 27 May 2010 17:44:32 +0000</pubDate>
		<dc:creator>Anita Verheul</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[insurance premiums]]></category>
		<category><![CDATA[insurance rates]]></category>
		<category><![CDATA[This Week in Health Care Reform]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=983</guid>
		<description><![CDATA[Everyone seems to agree that health insurance premiums are too expensive and that the rate of increase is much too high. But who&#8217;s to blame for this? You might hear the buzz about the unhealthy state of the American population and our historic high levels of obesity and diabetes and other chronic health conditions. You [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=983&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">anitaverheul</media:title>
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			<media:title type="html">stethoscope and dollar</media:title>
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			<media:title type="html">Anita Verheul</media:title>
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		<title>A conversation with Andrew Agnew of JLT</title>
		<link>http://blog.wgains.com/2010/05/07/an-conversation-with-andrew-agnew-of-jlt/</link>
		<comments>http://blog.wgains.com/2010/05/07/an-conversation-with-andrew-agnew-of-jlt/#comments</comments>
		<pubDate>Fri, 07 May 2010 20:02:25 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[business interruption]]></category>
		<category><![CDATA[claims]]></category>
		<category><![CDATA[energy]]></category>
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		<guid isPermaLink="false">http://blog.wgains.com/?p=932</guid>
		<description><![CDATA[I recently had a chance to catch up with Andrew Agnew, Chairman of Jardine Lloyd Thompson Limited (JLT Group) of London. He has almost 30 years in the insurance industry with experience in all areas of the marine and non-marine market. Our conversation was on the heels of the oil rig explosion off the Gulf [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=932&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">Phil Edmundson</media:title>
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			<media:title type="html">Phil Edmundson</media:title>
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		<title>Being compliant under Health Care Reform, it&#8217;s complicated</title>
		<link>http://blog.wgains.com/2010/01/15/being-compliant-under-health-care-reform-its-complicated/</link>
		<comments>http://blog.wgains.com/2010/01/15/being-compliant-under-health-care-reform-its-complicated/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 20:04:49 +0000</pubDate>
		<dc:creator>Christopher Nadeau</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[employee benefit plans]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[insurance premiums]]></category>
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		<guid isPermaLink="false">http://blog.wgains.com/?p=521</guid>
		<description><![CDATA[As discussions with my clients shift from &#8220;if&#8221; to &#8220;when&#8221; will health reform pass, CFOs and HR managers are expectedly anxious and concerned about protocols and penalties associated with the new rules under Obamacare. For Massachusetts companies, many of the plan design and credible plan requirements were resolved way back in 1996 under small group reform or [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=521&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">Christopher Nadeau</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/chrisnadeau_03.png" medium="image">
			<media:title type="html">Chris Nadeau</media:title>
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		<title>Update from London on the aviation market</title>
		<link>http://blog.wgains.com/2009/11/23/an-update-from-the-aviation-market/</link>
		<comments>http://blog.wgains.com/2009/11/23/an-update-from-the-aviation-market/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 21:43:40 +0000</pubDate>
		<dc:creator>Richard Galante</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[aviation]]></category>
		<category><![CDATA[insurance rates]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[risk management]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=383</guid>
		<description><![CDATA[Just back from a visit with our London insurers, we thought we&#8217;d provide you with a report on the state of the commercial aviation market and what to expect in 2010&#8230; The calendar year 2009 has certainly not been a winner for aviation insurance underwriters, since they expect losses of approximately $2 billion USD and estimate the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=383&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">rjgalante</media:title>
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			<media:title type="html">aviation</media:title>
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