Tom explains why wellness initiatives improve engagement and productivity — but fail to impact the real drivers of employer healthcare spend. He dives into ACA rules, HIPAA limitations, ERISA structures, Section 105 plans, captives, reinsurance games, pharmacy rebate manipulation, and the hidden profit mechanics inside traditional insurance models.
Watch This Weeks Episodes Below
Why Wellness Programs Don’t Lower Health Costs — The Rigged System Employers Don’t See
Also this week:
This episode breaks down where the premium dollar actually goes, how PBMs generate hidden margins, why hospitals charge 300–800% of Medicare rates, and why employers are unknowingly funding a highly profitable ecosystem. But Tom argues the reality is this: the system is built to generate layered revenue streams across vendors, PBMs, carriers, hospital systems, state regulators, and intermediaries — long before the employer ever sees value.
Why Your Health Plan Is Secretly a Profit Center — Just Not for You
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If you’re a business owner, HR leader, or employee frustrated with rising premiums and watered-down coverage, this conversation will completely change how you look at group health insurance.
