Description: This article attempts to make a modest contribution to the dialogue on the potential and risks associated with novel treatments such as cell & gene therapies. With a fast-expanding roster of what are believed to be one-time treatments at ever increasing price points aimed at curing a wider swatch of the population, they are as much a source of relief for patients stuck in medical limbo, as they are a source of anxiety for payers.

Description: With the medical insurance market experiencing health care inflation of 10 to 13 percent and medical costs averaging above $8,000 per year per employee less for single employees and more for employees with families, employers are looking at alternative options. Politicians and regulators are as well.

Description: In the last 10 to 15 years, new health insurance programs have proliferated in the Latin American and Caribbean regions. The reason for this boom has been, basically, the need for insurance companies to identify and implement new or additional lines of insurance business in order to match or exceed the increased numbers of competitors now working in these markets. This is combined with the stronger reinsurance capacity that these insurance companies had access to, which can be attributed to the need for increased reinsurance protection that arose a number of years ago, when many insurance and reinsurance companies were seeking larger volumes of businesses based on the expected growth potential of the region.

Description: An update on HMO market trends and reinsurance products, and services supporting them.