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FARGO — A new partnership between Blue Cross Blue Shield of North Dakota and a nonprofit health company in the Pacific Northwest will provide “greater value and more solutions” to members of both, company leaders said.Dan Conrad, BCBSND president and CEO, said a “strategic affiliation” is being pursued with Cambia Health Solutions of Portland, Oregon. He said BCBSND informed its employees of the news the morning of Thursday, Aug. 21.Conrad made it clear a strategic affiliation is not a merger or an acquisition.“A lot of what’s done is still going to be local. It’s just going to be done by…

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The gig economy has long been a harbinger of economic flexibility, but in 2025, it is undergoing a seismic shift. At the heart of this transformation lies artificial intelligence (AI), which is redefining how freelance platforms operate, scale, and generate value. For investors, the rise of AI-integrated freelance platforms represents not just a trend but a structural opportunity to capitalize on the future of work. With the global freelance platforms market projected to grow from $6.37 billion in 2025 to $14.39 billion by 2030 (a compound annual growth rate of 17.7%), the integration of AI is accelerating this expansion in…

The best airline credit card is one you can actually use. Start by looking at the airlines that serve your community, then focus on rewards and perks. Choosing between a branded airline card and a general-purpose travel card can come down to whether you are tied to a specific carrier or can consider multiple airlines. This page goes over the top airline credit cards as chosen by NerdWallet’s credit cards editorial team. Below our picks, you’ll find airline credit card resources to help you make the right choice, as well as tips on getting the most out of the card you choose.…

Yappa is a digital platform designed to streamline the workflow of freelancers and independent professionals. At its core, it offers tools for scheduling, client management, and contract review, providing a centralized workspace for common administrative tasks. By integrating these functions, Yappa aims to reduce the time spent on routine operations, allowing freelancers to focus on project execution and client engagement. The platform is positioned as an evolving toolkit, with the potential to incorporate additional features over time to further enhance productivity and efficiency. From a business perspective, Yappa reflects a broader trend toward specialized SaaS solutions for independent workers, supporting…

Contract showdowns between hospital systems and health insurers are happening more often, and patients are caught in the middle. In recent months, disputes over expiring contracts have led to tens of thousands of South Florida residents receiving state-required warning letters from their insurance companies, alerting them that their physicians or local hospitals could soon be out of network. If the insurer and health system fail to reach an agreement, patients lose access to trusted doctors or face significantly higher medical bills. In some cases, disputes escalate beyond a warning letter. For instance, in Broward County, Broward Health and Florida Blue…

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Freelancing is often romanticised, with the promise of creative freedom, of setting your own schedule, and of being able to pick and choose the projects that excite you. In reality, freelance life in this industry runs in seasons. There are moments of abundance when the gigs keep coming, followed by stretches of quiet. That unpredictability can be stressful, especially if you are relying solely on it to pay your bills. There is also the issue of uneven pay distribution at gigs. I have seen DJs walk away with more than a full band, and I have been in situations where…

D3sign | Moment | Getty ImagesIf you want to access investments typically reserved for the wealthy, regulators may someday let you — provided you can pass a test.That in itself may not be easy, considering that many consumers can’t pass a basic financial literacy quiz. But coming up with an exam that helps protect investors is also more difficult than it sounds, experts say.Lawmakers and regulators have for years kicked around the idea of a knowledge test to become a so-called accredited investor. Accredited investors are allowed to invest in a wider range of assets, including pre-IPO companies, private credit…

Sara* is 43-years old and works as a freelancer in Italy. Like many of her colleagues, she regularly participates in European funding opportunities for journalism, such as JournalismFund Europe or Investigative Journalism for EU. For freelancers in Italy, getting properly paid for investigative work — leaving aside all the legal risks — is virtually impossible. “The real problem is that in order to be able to sell an article, you often have to neglect important topics and uncomfortable investigations because Italian newspapers don’t want them or are afraid of them, and you have to make pitches sexy for the daily news cycle… It’s…