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

We have something in our healthcare system called cost shifting, which I want to talk a little bit about. And it’s that if you have Medicare, for example, you’re as, as a provider are reimbursed one rate. But if you have private insurance, you’re reimbursed two rates. That’s what is known as a healthcare cost Read More

That’s a great question. So think about this. In 2022, Americans spent $4.5 trillion on their health care. And it’s a big number to wrap your head around if you just think about what a trillion dollars is. So if you think about a trillion in perspective of time, if you take a second and Read More

I’ve been in the health insurance industry for 40 years now, and there’s one thing about health insurance, and that’s that the price goes up every single year. Right now, it costs over $8,400 a year for someone to just buy single coverage on average. Each year, employers deal with this difficult decision of what Read More