The article attached explains how personal risk perception—how insurance carriers view your risk level—affects the premiums you pay for different types of insurance (home, auto, and life). It outlines practical strategies to help reduce your perceived risk and secure better insurance rates.

These changes reflect the IRS’s annual inflation adjustments for health savings accounts and high-deductible health plans.

The report highlights a significant rise in cargo theft incidents across North America, with 3,625 cases reported in 2024, amounting to nearly $455 million in losses. Key findings include:

• A 27% increase in cargo theft, with California, Texas, and Illinois accounting for 46% of total thefts.

• Warehouses, distribution centers, and truck stops are the most targeted locations.

• Frequently stolen goods include construction materials, electronics, clothing, pharmaceuticals, and food/beverages.

• The average loss per theft increased by 7.7%, exceeding $200,000.

Employers offering group health plans have flexibility in defining eligibility but must comply with several legal requirements to avoid penalties. The document outlines key “Do’s” and “Don’ts” to help employers properly manage health plan eligibility.

This document discusses how certain state insurance laws may conflict with federal Health Savings Account (HSA) eligibility requirements. Some states mandate that health insurers count third-party payments (e.g., drug manufacturer discounts, coupons, or vouchers) toward an enrollee’s out-of-pocket expenses. However, to maintain HSA eligibility, federal rules require that only actual expenses paid by the insured individual count toward the deductible.