I’m a big advocate of employee wellness programs. So when we talk about behavioral and lifestyle choices, I mean, if you are a diabetic and you can reverse some of those healthcare cost concerns, maybe by choosing a healthier lifestyle, getting some help that will bring costs down overall. So in employer wellness programs, we Read More

Healthcare costs go up every year. Health insurance costs go up every year. And when people ask me why, I can list off several things. First of all, our aging population. Our cost of pharmaceuticals. We always complain about the cost of our pharmacy. But we have some of the best innovative pharmacy programs in Read More

The average cost of a single premium right now in this country is $8,400. That’s up 7% from last year. Five years ago, the average cost was $6,890. So from five years to today, it’s gone up 22%. If you go back 10 years ago, it was $5,800. That’s a 44% increase in 10 years. Read More

The price of healthcare is different based on who your insurance carrier is and how you’re covered. And I think this is a fundamental flaw in our healthcare system and how we price and pay for our healthcare services. And let me just make, do an analogy here. Let’s just say the group of four Read More

If you look at the geographic map, it differentiates by region of country. So if you want to take a look at our Florida marketplace, for example, our employers do less in the state of Florida than they do on a national average. So in the state of Florida, for example, only 40 percent of Read More

So in the employee benefits world, we are, we’re really focused on employer-sponsored plans. We’re taking a look at what, do our employers do for providing the dollars to pay for insurance to pay for all of the healthcare. And if you take a look at how many people, it’s 153 million people receive their Read More

If you look at the expenditure of Americans out of pocket at $470 billion and you think about that number and how large it is, this is people paying for their deductibles, for their coinsurance, for their copays, for their prescriptions, people without insurance who need to go see a doctor or who have to Read More

Of the four and a half trillion dollars, we want to take a look at who actually pays all those health care costs. Obviously, Americans don’t have 4.5 trillion dollars to pay for it. So if we look at it and we break it out. Medicare is 944 billion. Medicaid is 805 billion. Private health Read More

We spend four and a half trillion dollars on the cost of health care in our country. It’s $13,493 per person in our country. So it’s a significant amount of money even when you look at it in perspective of everything else that we spend money on. And I want to talk about where do Read More

I think employees, people, Americans every day go without health care because they don’t know how much it’s going to cost. Whether or not you have coverage, how much would it cost to go to an urgent care, how much would it cost to get blood work done. People put off certain things. I had Read More