After 31 years of witnessing how health insurance has always been the centerpiece of conversations in the employee benefits industry, I’ve watched this system evolve. And while many things have changed, the most frustrating realization is how much has stayed the same.
Healthcare in the U.S. remains trapped in a cycle of rising costs, declining benefits, and a deep misalignment between financial incentives and patient well-being. Employers dread annual renewal meetings, knowing another painful increase is coming. Employees face ever-higher out-of-pocket costs, pushing many into medical debt or even bankruptcy. Doctors struggle under administrative burdens, leading to burnout at alarming rates.
