Theory
It's good to have CHOICE(s)
Exploring the pros and cons of ICHRA plans, as well as their utility in a volatile health insurance market.
Theory
Structural analysis of employee benefits, workforce trends, and emerging risk, argued from public numbers you can check.
Theory
In case of emergency, break glass
An ICHRA, now called a CHOICE Arrangement, swaps a group plan for a defined contribution employees spend on individual coverage. It can help with catastrophic claims, a claims pattern that will not revert and a scattered workforce. The costs are age rating, thin rural markets and narrower networks.
Theory
Mending the trust gap
The advisor brings the ideas, the employer decides the fit. But who owns the outcome?
Theory
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.
Theory
Mockingbirds
Every renewal turns on a discount nobody outside the contract could verify. That changed this year, and the check takes an evening.
Theory
Load bearing
The new triple threat to your health plan: retatrutide's knee osteoarthritis indication and what it does to a weight-management exclusion
Theory
Just a tree
The deductible is the move that fits the meeting. It is not the move that reaches the money.
Theory
No shoes to fill
Current labor trends are quietly repricing your benefits, and nobody's escalation assumption has caught up.
Theory
Your mileage may vary
Every published number on GLP-1 coverage belongs to somebody else’s plan.
Theory
From snout to tail
An intro to Fringe Theory. Cost shares decide who finances the spend, not its size.