A coalition of more than 60 employer groups, insurers, patient advocacy organizations and labor groups is urging the federal government to crack down on what they say is widespread abuse of the arbitration process created under the No Surprises Act.

Many organizations assume that once open enrollment ends and payroll deductions are set, everything will continue to run smoothly. In reality, enrollment changes, life events, terminations, plan switches and billing delays routinely create discrepancies that can quietly cost both employers and employees money.

A new model law adopted by the executive committee of the National Council of Insurance Legislators could spur more states to adopt legislation to regulate health insurers' use of prior authorization.

Employers are heading into what may be one of the most challenging years for managing group health costs.