Mending the trust gap

The advisor brings the ideas, the employer decides the fit. But who owns the outcome?

The price of poker

The anatomy of a public standoff between a hospital system and a carrier, read out of the public files, with the Anthem and Sentara dispute in Virginia as the live case.

Mockingbirds

Every renewal turns on a discount nobody outside the contract could verify. That changed this year, and the check takes an evening.

Load bearing

The new triple threat to your health plan: retatrutide's knee osteoarthritis indication and what it does to a weight-management exclusion

Half-caf, no whip: Starbucks drops GLP-1 coverage for weight loss

Some employers pay claims. Some buy insurance. An autopsy built entirely from public records.

$250 million, 8% attrition, and the case study nobody has run

Bank of America covers GLP-1s for 132,000 employees and calls it an investment rather than a saving. Its filings go back fourteen years, its turnover runs at a third of its sector's rate, and whether those two facts are connected is nobody outside the company can answer.

Just a tree

The deductible is the move that fits the meeting. It is not the move that reaches the money.

No shoes to fill

Current labor trends are quietly repricing your benefits, and nobody's escalation assumption has caught up.

Your mileage may vary

Every published number on GLP-1 coverage belongs to somebody else’s plan.

From snout to tail

An intro to Fringe Theory. Cost shares decide who finances the spend, not its size.