News & Articles

As you may know, I do a lot of email marketing and communication with businesses trying to persuade them to reevaluate their health insurance options at renewal. In many cases employers are willing to look at alternatives, and in some cases not, and those who choose...

Even if you’re not a football fan, read on - I’m trying to make a point here… Recently I was listening to a sports-talk show host, and a caller was trying to convince the host that his team was very, very good and possibly a Super Bowl contender. Team in 2018 was...

This year there’s been a lot of discussion and even legislation and a recent  Executive Order regarding transparency of healthcare prices. Transparency can mean different things in different situations. Transparency and disclosure of compensation by brokers,...

Surprise medical bills have gotten a lot of attention in the media recently. They typically come from a recent visit to the emergency room or to the hospital. They can come in the form of either an Out-Of-Network claim, or In-Network. When a member goes to the...

A combination of partial self-funding, direct contracting with local providers, and reference based pricing is the ultimate and perfect solution for employers and employees to address rising healthcare costs. This combination works so much better than any insurance...

It's surprising to me how many new companies are popping up that profess to do Reference Based Pricing (RBP). It seems like every week I get emails from companies about their new program for my clients. The number of employers utilizing RBP is growing exponentially...

If you've read my blogs, articles, emails, and even my book, you know that I've 'been around the block numerous times' as a traditional broker for 35 years. In 2015, I couldn't take it anymore and started my own consulting company. It was the way insurance agencies...

When we go shopping for anything like groceries, clothing, a home, or a car we always know the price before we purchase it. We don’t order a car and say send me the bill 60 or 90 days later. We don’t buy groceries without knowing the price of the items. We don’t buy a...

A few weeks ago my wife and I experienced something we never expected.  After over a year and a half of preparation and testing, our son did a very noble deed – he donated a kidney to a friend.  Yikes! I know this occurs frequently these days, but as a father I was...

What is the highest expense on your P&L? For most companies it’s wages and payroll. What’s the second or third highest expense on your P&L? For most companies it’s health insurance. The problem is that the highest expense is not increasing as fast as the...