The group benefits ecosystem—insurance and retirement products—is a growing market in the United States. Employees now have more options than ever, whether enrolling family members or adding auxiliary products to their plan. Unfortunately, as the market grows, competition gets fiercer.

One of the forces driving this stagnation is the decline of MLV, which has been pressured by three primary factors: declining member tenure, stagnant CMS payments, and increasing claims costs. For information on how to succeed in the face of declining MLV, read the full article.

The Medicare Advantage market faces a demographic cliff as the number of Medicare-eligible seniors peaks and begins to decline. With shrinking applicant pools, increased competition, and rising marketing costs, carriers must rethink their approach to stay ahead.

Stalling growth of the Medicare Advantage industry is driven by five key forces. To explore these forces and how to navigate them effectively, read the full article.