Home Blog

What Factors Determine the Calculation of Group Health Insurance Premiums


Health insurance is a critical component of modern life, providing individuals and families with financial protection against the exorbitant costs of medical care. 

While individual health insurance plans are widely discussed, group health insurance remains a cornerstone of coverage for many, particularly in workplaces across the globe. Yet, behind the scenes of group health insurance lies a complex system of group insurance scheme calculation and considerations that determine the premiums individuals and employers pay.

The insurance premium is directly related to the risk covered. However, various other factors influence the premium for a given policy. These criteria vary depending on the type of insurance, such as vehicle, travel, and health. 

Continue reading to learn about the factors that determine the calculation of group health insurance premiums.

 What is Group Health Insurance? 

Group health policy is a type of insurance coverage that provides medical benefits to a group of people, typically employees of a company or members of an organisation. 

Under this arrangement, the employer or organisation purchases the insurance policy, and eligible members receive coverage as a benefit. 

Group health care plans offer several advantages, including lower premiums due to the risk being spread across a larger pool of individuals, simplified administration for the employer, and often comprehensive coverage options for employees. 

This type of insurance commonly includes benefits such as hospitalisation, outpatient services, prescription drugs, and preventive care and ensures promoting wellness, and enhancing financial security in the face of medical expenses.

 How Are Premiums for Group Health Insurance Determined? 

  • Type of Job: The nature of the job can significantly impact group health insurance premiums. For instance, jobs that involve higher risks or exposure to hazardous environments may lead to higher premiums. Industries such as construction or manufacturing typically have higher premiums compared to office-based jobs due to the increased likelihood of accidents or health issues.
  • Number and Age of People Covered: The size and demographics of the group being insured play a crucial role in premium calculation. Larger groups generally benefit from economies of scale, which can lead to lower premiums per individual. 

Additionally, the age of group members is a key factor, as older individuals typically have higher healthcare costs, which may result in higher premiums.

  • Add-on Covers: Group health insurance plans often offer various add-on covers and benefits that can be customised based on the needs of the group. These may include options such as dental and vision coverage, maternity benefits, wellness programs, and more. 

The inclusion of these additional benefits will impact the overall premium cost, with more comprehensive coverage typically resulting in higher premiums.

  • Claim History: The claims history of the group can significantly influence premium rates. Insurance companies assess the past utilisation of healthcare services by the group members to gauge the potential future costs of providing coverage. 

A group with a history of frequent and high-value claims may face higher premiums, reflecting the increased risk for the insurer.


The group medical insurance premium calculator hinges on various factors tailored to each group insurance scheme. Employers and insurers use intricate formulas, considering elements like the group’s demographic profile, claims history,  and coverage requirements. Understanding these factors is pivotal in ensuring fair and sustainable premium rates, fostering a balance between affordability and comprehensive coverage for all members.

 Frequently Asked Questions 

  1. What factors determine the cost of group health insurance?

The cost of group health insurance can vary based on several factors, including the size of the group, the demographics of the employees, the level of coverage selected, the location of the business, and the insurance carrier.

  1. How to calculate premiums in health insurance?

Group medical insurance premiums are often calculated based on factors such as the number of employees enrolled, the age and health status of the employees, the level of coverage chosen, and any additional benefits included in the policy. 

Many insurance providers offer online calculators to estimate group medical insurance premiums based on these factors.

  1. What is the GIS calculation formula?

The GIS (Group Insurance Scheme) calculation formula typically involves considering various factors such as the age of the insured individuals, their health status, the type of coverage selected, and any additional benefits offered by the insurance policy.

Your Property Maintenance Inspection Checklist


A property maintenance inspection is an important task that should be performed regularly to ensure the safety and functionality of your property. It involves a thorough review of all aspects of the property, from exterior features such as roofing and landscaping to interior elements like plumbing and electrical systems.

Having a well-maintained property not only increases its value but also provides a comfortable and secure living space for you and your family. In this checklist, we will cover the essential areas that you need to inspect in order to maintain your property in top condition.

Exterior Inspection

The first step in your property maintenance inspection is to assess the exterior features. This includes checking for any damages or potential safety hazards that may need immediate attention.

Roofing: Check for missing, damaged or loose shingles, as well as signs of water damage such as rotting wood or staining on the ceiling.

Gutters and downspouts: Look for clogs, leaks, and proper drainage to prevent water damage.

Siding and exterior walls: Inspect for cracks, holes, or signs of wear and tear that may compromise the integrity of your property’s structure.

Landscaping: Trim trees and shrubs away from the house to prevent potential damage from branches and ensure proper air circulation around the property. Check for any overgrown or dead plants that may need to be removed.

Walkways and driveways: Look for cracks, uneven surfaces, or loose pavers that could pose a tripping hazard. Fix any issues promptly to avoid accidents.

Interior Inspection

Once you have completed your exterior inspection, it’s time to move inside and check the following areas:

Plumbing system: Inspect all faucets, sinks, toilets, and showers for leaks or signs of corrosion. Check water pressure and drainage in sinks and tubs.

Electrical system: Test all light switches, outlets, and appliances to ensure they are working properly. Look for any exposed wires or signs of damage that could potentially cause a fire hazard.

HVAC system: Check filters and replace them if necessary to ensure proper air circulation. Inspect heating and cooling units for any wear and tear, and schedule a professional maintenance check if needed.

Windows and doors: Check for drafts, cracks, or broken seals that could impact insulation efficiency. Replace or repair as needed.

Smoke detectors and carbon monoxide detectors: Test these devices to make sure they are functioning properly and replace batteries if needed.

Safety Features

In addition to the above areas, it’s important to also check the following safety features of your property:

Fire extinguishers: Make sure they are fully charged and easily accessible in case of an emergency.

Emergency exits: Check all doors leading to the outside for functionality and ensure they are free from any obstacles that could hinder an evacuation.

Security systems: Test alarms, sensors, and cameras to ensure they are working properly. Update any outdated security codes or passwords.


Regular property maintenance inspections can help identify potential issues before they become bigger problems and save you time and money in the long run. By following this checklist, you can ensure that your property remains safe, functional, and well-maintained for years to come. Remember to schedule inspections at least twice a year, and always address any potential safety hazards promptly. With proper maintenance, you can enjoy a comfortable and secure living space while also protecting the value of your property.

How Minimizing Distractions Can Maximize Your Creativity


In the modern era of technology, distractions can run rampant in one’s life. They can cost up to 2.1 hours of an 8-hour workday and task switching can cost 40% of one’s productivity time. All these distractions can make holding onto an idea incredibly challenging. Amidst the 6,000 thoughts the average person has every day, frantically trying to jot down these ideas is the common answer.

But what are some alternative ways to write down your ideas after a bout of creativity? The modern solution to this problem is typing on a digital device, although the use of a digital device can be the cause of distraction rather than the avoidance of one. You can also try transcription services, although it is not always accurate and can be hard to clarify yourself. Similarly, AI lacks manual typing, but can often be unclear or divorced from the original idea you had.

Fortunately, it’s possible to enjoy the advantages of all the above methods while limiting the drawbacks. Using apps like Vnote, a content creation tool,  harnesses AI to optimize typing and speech-to-text note taking. Through these applications, you can take notes 3 times faster than typing and are much more accessible to a larger population. Ultimately, regardless of your note taking preference, taking advantage of apps like Vnote can benefit your daily life.

Capture Thoughts for Future Use
Source: Vnote.ai

Best Practices for Managing Your IT Services Partnership


IT services partnership is a strategic collaboration between an organization and an external service provider, where the service provider offers their expertise in managing the organization’s IT infrastructure and applications. This partnership model has become increasingly popular in recent years as organizations look for cost-effective ways to manage their IT needs while staying updated with technological advancements.

Managing an IT services partnership can be challenging, especially when dealing with multiple vendors and complex systems. However, following best practices can help organizations effectively manage their IT services partnerships and achieve mutual success.

Understanding Your Needs

Before entering into any IT services partnership, it is crucial to have a clear understanding of your organization’s IT needs. This includes identifying areas where you require the most support and defining your objectives and goals for the partnership.

Having a thorough understanding of your needs will help you in selecting the right service provider and ensure that their services align with your business objectives. It also allows for better communication and establishes expectations from both parties.

Establishing Clear Communication Channels

Effective communication is key to any successful partnership, especially when it comes to managing IT services. It is important to establish clear channels of communication between all parties involved in the partnership, including internal stakeholders and external vendors.

Regular meetings, updates, and reports should be scheduled to ensure that all parties are on the same page and any issues or concerns can be addressed promptly. Transparent communication also helps in building trust and maintaining a strong working relationship.

Setting Realistic Expectations

When entering into an IT services partnership, it is essential to set realistic expectations from the beginning. This includes clearly defining roles, responsibilities, and deliverables for both parties. It is important to have these expectations documented in a formal agreement or contract to avoid any misunderstandings in the future.

Setting realistic expectations also involves having a clear understanding of service level agreements (SLAs) and performance metrics. These should be agreed upon and regularly reviewed to ensure that the service provider is meeting the expected standards.

Establishing a Governance Model

A governance model is critical for managing an IT services partnership. It outlines the decision-making processes, communication protocols, and escalation procedures for any issues or conflicts that may arise during the partnership.

Having a governance model in place ensures that all parties are on the same page and provides a structure for effectively managing the partnership. This can also help in resolving any disputes quickly and maintaining a good working relationship.

Regular Performance Reviews

Regular performance reviews are essential for evaluating the effectiveness of an IT services partnership. These reviews should include all key stakeholders and assess the service provider’s performance against agreed-upon metrics and objectives.

Performance reviews also provide an opportunity to discuss any concerns or areas for improvement. It is important to have open and honest communication during these reviews to ensure that the partnership remains mutually beneficial.

Continuous Improvement

Managing an IT services partnership should not be a one-time effort, but an ongoing process of continuous improvement. This involves regularly reviewing processes, identifying opportunities for optimization, and implementing changes to enhance efficiency and effectiveness.

Continuous improvement also includes staying updated with technological advancements and ensuring that the partnership is evolving along with your organization’s changing needs.


Effective management of an IT services partnership requires a proactive and collaborative approach. By following these best practices, organizations can ensure a successful partnership that meets their business objectives and contributes to their overall success. Remember to communicate openly, set clear expectations, and regularly review and improve the partnership for mutual benefit.  So, it is important for both parties to have a shared vision and work together towards achieving common goals. By implementing these best practices, organizations can build strong and long-lasting IT services partnerships that drive growth and innovation.

Best Business Practices for Beginner Entrepreneurs

If you’ve been hit with the entrepreneurial Spirit, then you’re likely trying to establish your very own business. There’s no denying the fact that a lot goes into having a successful business. We’re going to provide our best business practices to help set you up for future success.


When you start to get your business up and running, it can be very easy to spend money on many different things you think you need to have. It’s never a good idea to spend money until you have an adequate budget. Instead of thinking of a budget as a constraint, think of it as your financial security blanket. A budget will allow you to spend money up to your set amount without having to worry about whether or not you can afford it.

Use Appropriate Checks

When you first set up your business checking account, the banks are likely to supply you with typical checks. These manual checks can be inconvenient and may not showcase your company’s logo. It’s a good idea to update and use computer checks that can be linked with accounts like your QuickBooks account. This will help to streamline your check writing and allow you to customize the look of your checks to better represent your new business.

Have Your Business Mission Written Down

When first starting your new business, you need to construct a business plan. This plan should have your mission written out. It should include the products or services that you intend to offer and your overall goals as a company. This will give you clear guidance going into the future so that you can always make decisions that align with your company’s overall mission. Without a business plan, it can be easy to get off-track when new opportunities arise.

Opt For Outsourcing

One of the biggest mistakes that new business owners make is not outsourcing tasks. Rather, they try to do everything themselves. This leads to overwhelming and typically less-than-perfect results. By outsourcing your needs, you can have someone who specializes in that particular area take care of them to ensure quality results every time. This will free up your time for more important tasks that you’re better experienced to handle.

Get Involved in Networking

Every good business owner knows the importance of networking. A great place to start is with local professional organizations. Consider joining any organizations in your business’s industry and attending meet-ups that they offer. This will allow you to associate with like-minded people who can provide you with knowledge and give you that much-needed motivation to keep moving forward. The wider you can expand your professional network, the more people you can rely on for help when you need it the most.

When you’re just starting as a new business owner, life can seem overwhelming every day, to say the least. By following the best practices that we went over above, you can help simplify your day. This will allow you extra time each day to focus on growing your business instead of just managing it.

The New Reign of Bully Breeds


Bully breeds are the clear winners when considering the list of America’s most beloved dogs. They make up 20% of America’s canine pet population, which is approximately 18 million dogs throughout the nation. They are the most popular breed in a whopping 21 states, especially in regions such as the South, Northeast, and Midwest. In fact, bully breeds dominated 15 of the top 100 most registered dogs in the United States, according to the American Kennel Club (AKC). French bulldogs took a clear win, beating out the Labrador Retriever for the most registrations in 2022, which dethroned Labs from a 31 year streak. 

Bully breeds are an extremely diverse category of dogs, with only their shared ancestry from English bulldogs and a good natured temperament to unite them. Bully breeds now hail from all over the world- for example, the Cane Corso was registered in Italy in 2010, the Dogue de Bordeaux was registered in France in 2008, and the Dogo Argentino was registered in Argentina in 2020. There are now over 50 registered breeds of terrier type dogs. These bully breeds will only continue to grow a soft spot in the hearts of dog lovers around the world.

The Most Popular Bully Breeds in the United States

The Top 5 Challenges Managed IT Support Can Help Your Business Solve


In today’s fast-paced digital landscape, businesses face numerous IT challenges that can hinder productivity and growth. Managed IT support services offer a strategic solution to tackle these issues, ensuring that your operations run smoothly and efficiently. Here are the top five challenges that managed IT support can help your business solve.

1. Cybersecurity Threats

One of the most significant concerns for businesses today is cybersecurity. With the increasing frequency of cyberattacks, safeguarding sensitive data has never been more critical. Managed IT support services provide comprehensive security measures, including:

  • Real-time monitoring and threat detection: Proactively identifying and mitigating threats to minimize damage.
  • Regular security audits: Ensuring that your systems are up-to-date and compliant with industry standards.
  • Employee training programs: Educating your team on best practices to reduce the risk of human error.

By leveraging these services, businesses can protect themselves against data breaches, ransomware attacks, and other cyber threats.

2. Data Management and Backup

Efficient data management is crucial for any business. Losing valuable data can result in significant financial and reputational damage. Managed IT support services offer robust data management solutions, including:

  • Automated backups: Regularly scheduled backups to ensure data is never lost.
  • Data recovery plans: Strategies to quickly restore data in the event of a loss.
  • Cloud storage solutions: Secure and scalable options for storing large volumes of data.

These services ensure that your data is always accessible, secure, and easily recoverable.

3. Scalability and Flexibility

As your business grows, so do your IT needs. Managed IT support provides the scalability and flexibility required to adapt to these changes. Key benefits include:

  • On-demand resources: Access to additional IT resources as needed, without the hassle of hiring and training new staff.
  • Customized solutions: Tailored IT strategies that align with your business goals and growth plans.
  • Cost efficiency: Flexible pricing models that allow you to scale your IT services up or down based on your current needs.

This adaptability ensures that your IT infrastructure can grow seamlessly with your business.

4. Downtime and Technical Issues

Downtime can be incredibly costly for businesses, leading to lost revenue and decreased productivity. Managed IT support services help minimize downtime by:

  • 24/7 monitoring and support: Ensuring that technical issues are addressed promptly and efficiently.
  • Preventive maintenance: Regular system checks and updates to prevent potential problems.
  • Rapid response times: Quick resolution of issues to get your systems back online as soon as possible.

By providing reliable IT support, businesses can maintain continuity and avoid disruptions.

5. Compliance and Regulatory Requirements

Navigating the complex landscape of compliance and regulatory requirements can be challenging. Managed IT support services help businesses stay compliant by:

  • Regular audits and assessments: Identifying potential compliance issues and addressing them proactively.
  • Policy development and implementation: Creating and enforcing IT policies that adhere to industry standards and regulations.
  • Documentation and reporting: Maintaining thorough records to demonstrate compliance during audits.

These services ensure that your business meets all necessary legal and regulatory requirements, reducing the risk of fines and penalties.

Keep Your Operations Running Smoothly

Managed IT support services offer a comprehensive solution to address the top IT challenges faced by businesses today. From enhancing cybersecurity to ensuring compliance, these services provide the expertise and resources needed to keep your operations running smoothly. By partnering with a managed IT support provider, businesses can focus on their core activities while leaving the technical complexities to the experts.

Top Trends in Healthcare IT Services for 2024


The healthcare landscape is constantly evolving, and technology is at the forefront of this transformation. With the rapid advancements in IT services, healthcare providers are now able to offer more efficient, personalized, and effective care. Here are the top trends in healthcare IT services for 2024 that are set to revolutionize the industry.

1. Telemedicine and Remote Care

Telemedicine has been a game-changer, and its growth shows no signs of slowing down in 2024. The rise of remote care has made healthcare more accessible, especially for those in rural or underserved areas. With advancements in video conferencing technology, patients can now consult with specialists without leaving their homes. Additionally, remote monitoring tools allow healthcare providers to track patients’ health metrics in real-time, leading to more proactive and preventive care.

2. Artificial Intelligence and Machine Learning

Artificial Intelligence (AI) and Machine Learning (ML) are making significant strides in healthcare. These technologies are being used to analyze vast amounts of data, predict patient outcomes, and even assist in diagnosing diseases. AI algorithms can sift through medical records and identify patterns that might be missed by human eyes, leading to earlier detection of conditions and more personalized treatment plans.

3. Electronic Health Records (EHR) Optimization

Electronic Health Records have been a part of healthcare for some time now, but 2024 will see a push towards optimizing these systems. Integration with other healthcare IT services, improved user interfaces, and enhanced data security measures will make EHRs more efficient and user-friendly. This optimization will allow healthcare providers to focus more on patient care rather than administrative tasks.

4. Cybersecurity Enhancements

With the increase in digital health services, cybersecurity has become a critical concern. Healthcare organizations are prime targets for cyberattacks due to the sensitive nature of the data they handle. In 2024, we can expect to see more robust cybersecurity measures, including advanced encryption, multi-factor authentication, and continuous monitoring to protect patient information and maintain trust.

5. Data Interoperability

Data interoperability is essential for seamless healthcare delivery. In 2024, there will be a greater emphasis on creating systems that can easily share and interpret data across different platforms and providers. This interoperability will facilitate better coordination of care, reduce redundancies, and ensure that healthcare providers have access to complete and accurate patient information.

6. Wearable Health Technology

Wearable health technology, such as smartwatches and fitness trackers, is becoming increasingly popular. These devices can monitor a range of health metrics, from heart rate to sleep patterns, and provide valuable data to healthcare providers. In 2024, we can expect more sophisticated wearables that offer deeper insights into patients’ health and help tailor personalized care plans.

7. Blockchain in Healthcare

Blockchain technology is emerging as a powerful tool in healthcare IT services. Its decentralized nature ensures that data is secure, transparent, and immutable. In 2024, blockchain will be used to streamline administrative processes, improve patient data management, and enhance the security of electronic health records. This technology will also facilitate better patient consent management and data sharing.

Stay Ahead of the Trends

The trends in healthcare IT services for 2024 point towards a future where technology plays an integral role in improving patient care. From telemedicine to blockchain, these advancements are set to make healthcare more efficient, personalized, and secure. Providers who stay ahead of these trends will be well-positioned to offer the best possible care to their patients.

Social Media Strategies: Effective Tips to Grow Your Following


To grow your social media following, consistently providing valuable content and engaging with your audience is essential. In today’s digital age, knowing which strategies work best can make all the difference in expanding your reach. Understanding your target audience and creating content that resonates with them are key steps in fostering long-term engagement.

Creating a compelling brand story helps establish a connection with followers. Visual storytelling through high-quality images and videos not only captures attention but also keeps your audience interested. It’s also crucial to leverage analytics to monitor which posts perform best and adjust your strategy accordingly.

Interacting with followers by responding to comments and messages helps build a community feeling. Hosting giveaways or collaborating with influencers can also significantly boost your visibility. By integrating these strategies, anyone can see noticeable growth in their social media follower count.

Building a Strong Foundation

A solid foundation is crucial for growing your social media following. This involves understanding who your audience is, developing a content strategy, and maintaining a consistent brand voice.

Defining Your Target Audience

Knowing who you’re trying to reach is the first step. Identifying demographics like age, gender, location, interests, and behaviors will help tailor your content.

Surveys and social media analytics tools can provide valuable insights.

Create audience personas:

  • Age range
  • Gender
  • Interests
  • Pain points

Understanding these aspects will guide the content creation process, ensuring your posts resonate with your followers. Tailor your strategy to meet the specific needs and preferences of your target audience.

Creating a Content Strategy

A robust content strategy is vital for keeping your audience engaged. Determine the types of content that will appeal to your target audience, such as blog posts, videos, infographics, or interactions.

Content Mix:

  • Educational: How-to guides, tutorials
  • Entertaining: Memes, behind-the-scenes content
  • Engaging: Polls, Q&A sessions

Consistency is key. Post regularly and plan content ahead using a content calendar. Utilize analytics to track performance and refine your strategy over time. This approach ensures not only relevance but also timely delivery of content.

Establishing a Consistent Brand Voice

A consistent brand voice helps in building trust and recognition. Define the tone and style of communication that reflects your brand’s personality.

Voice Attributes:

  • Formal or casual
  • Humorous or serious
  • Friendly or professional

Use this voice consistently across all platforms. This includes captions, replies to comments, and any other interactions with your audience. A clear and consistent brand voice makes your content easily identifiable and strengthens the connection with your followers.

Engagement and Growth Tactics

Growing a social media following requires a mix of strategic engagement and growth-focused tactics. Effective use of hashtags, leveraging user-generated content, collaborating with influencers, and continually analyzing metrics play crucial roles.

Utilizing Hashtags Effectively

Hashtags increase content visibility and reach. To use them effectively, one should research popular and relevant hashtags in their niche. Tools like Hashtagify or RiteTag can help identify trending hashtags. Mixing commonly used hashtags with niche-specific ones improves chances of reaching a targeted audience.

Bullet points help organize specific tips:

  • Research relevant hashtags.
  • Mix popular and niche-specific tags.
  • Use branded hashtags to foster community.

Avoid overloading posts with too many hashtags, as it can appear spammy. 5-10 well-chosen hashtags often yield better engagement.

Leveraging User-Generated Content

User-generated content (UGC) adds authenticity and encourages community participation. By sharing customer photos, reviews, or testimonials, brands build trust. Encourage followers to create content by hosting contests or featuring UGC in stories.

Key tactics include:

  • Encourage followers with contests.
  • Feature customer stories and images.
  • Use branded hashtags to collect UGC.

UGC serves as social proof and builds a sense of community. Responding to and recognizing contributors enhances engagement further.

Collaborating with Influencers

Influencer collaboration expands reach and credibility. Identifying influencers who align with brand values ensures authentic partnerships. Micro-influencers, with smaller but highly engaged audiences, often yield better results than those with massive followings.

Steps to follow:

  • Identify relevant influencers.
  • Establish clear collaboration goals.
  • Measure the impact of partnerships.

Crafting genuine relationships with influencers can lead to loyal followers and enriched engagement. Transparency and mutual respect form the foundation of successful collaborations.

Analyzing and Adapting to Metrics

Regularly analyzing metrics ensures strategies remain effective and can uncover areas needing improvement. Key performance indicators (KPIs) include engagement rates, follower growth, and post reach.

Important actions to take:

  • Track KPIs using tools like Google Analytics or native platform insights.
  • Adjust strategies based on data findings.
  • Experiment with different content types and posting times.

By adapting to what the metrics reveal, social media strategies become dynamic, evolving to better meet followers’ needs and preferences.

Maintaining Clearinghouse Function with Redundancy


Since the third week of 2024, the Change Healthcare clearinghouse has had a sustained outage.  This outage is worrisome, impacting thousands of physicians and payers, and provides important lessons on how to avoid similar situations in the future. 

Clearinghouses are platforms that support data transfer between providers and payers.  Healthcare providers get paid through clearinghouses.  For example, Change Healthcare clearinghouse processes medical claims for about 900,000 physicians in the United States, ensuring that the flow of payments is running smoothly.  

However, when an outage occurs do to a cyber attack this flow is interrupted.  The inability to submit medical claims causes millions of dollars in transactions to age because they cannot be paid and fulfilled.  This leads to a financial gap and additional financial challenges until stability is reached once more. 

Clearly, avoiding outages is important.  One way to do this is through payer gateway connection redundancy.  This redundancy establishes connections between multiple clearinghouses, decentralizing systems and allowing for backup plans.  If one clearinghouse faces an outage, others can step up and maintain the flow of payments. 

Clearinghouses are a key aspect of the healthcare system, supervising transactions and payments.  When they face outages, significant consequences can follow, making redundancy and decentralizing important areas to improve.  With a redundant system, outages will not have the same crippling effect, and medical claims can continue to be submitted, paid, and fulfilled.

Lessons Learned from the Change Healthcare Cyberattack
Source: Orbit Healthcare