Businesses that don't understand who is on the sell-side of their healthcare supply chain are getting crushed by rising healthcare costs right now.

The ACA also inspired health insurers to vertically integrate and sell healthcare services and goods to employers. The effect has been hugely inflationary.

This is a direct result of the ACA’s medial loss ratio rules and the fact that health insurers have always served as wholesale distribution partners for hospitals.

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The cost of inaction on healthcare waste isn't just financial. It's a missed opportunity to empower your workforce. Every dollar wasted is a dollar that can't be invested in your team's well-being, financial security, and ultimately, their productivity on the job site. As a

The benefits industry is a system of profoundly misaligned incentives. As a CFO or HR professional, you have a fiduciary duty to understand this and how it's affecting your business.

The ACA grossly distorted and inflated healthcare prices for employers who cover 164 million Americans. Most people think the law just affected the individual market, but its impact has been far greater than most ever predicted.

So how did employers get caught up in this healthcare mess? A powerful tax deduction was created during WWII so that employers could compete for talent with benefits, not wages, which were frozen at the time. Within ten years, millions of employees quietly enrolled in

The ACA was written by insurers, for insurers.

As an employer, you are facing an army of supply-side consultants who are laser-focused on extracting as much money out of your organization as possible. The question becomes… Who is protecting your interests?

To build your dream house, you need an architect and a general contractor. The same applies to your benefits program. The Assess phase (the architect) creates the blueprint. Then, as I detail in "Fixing Healthcare," the Procure and Implement phases (the general contractor)

Your General Contractor works for you. Your architect works for you. Your CPA works for you. Who does your benefits broker work for? Since their compensation comes from insurers, it creates a powerful conflict of interest that undermines their ability to give you unbiased

In 2018, WTW acknowledged that “payments from carriers can incentivize intermediaries to put carriers’ or their own interests ahead of their clients.”

It’s tempting to think that protecting employers and patients from health insurers and the medical-industrial complex is a thankless job, but then our clients remind it’s not. I shouldn’t be surprised…the Health Compass Consulting team is comprised of individuals who are 1)

If your company works with a top 20 health insurance brokerage firm, you’ve got a problem… The bigger the firm, the more they are influenced by kickbacks from insurers and PBMs. And since legacy brokers and insurers benefit from rising healthcare costs, your company will not

Real healthcare reform will not be handed down from Washington; it will be driven by business leaders in boardrooms across the country.

For too long, CFOs have managed benefits defensively, trying only to brace for the impact of the next renewal. My vision is for you to go on offense. It's time to turn your benefits program into a strategic asset that actively drives down your overhead, attracts the best

"Healthcare is insignificant...benefits are just along for the ride." This what legacy brokers say every time I remind them that the worse job they do for employers, the more money they make. It's not their fault. The brokerage industry was developed to serve as retail