Kimberly Has A Question………

“Average cash price without insurance= $9.96. Express Scripts Mail Order price= $235.32.”

What Traditional Group Insurance Brokers Won’t Tell You

Employer Sponsored Group Dependent Coverage Is No Longer Relevant

“For a lot of families, $15–$25K for dependent coverage isn’t “benefits” anymore — it’s a second mortgage. When ACA marketplace options can deliver compliant coverage with subsidies that drop costs to a few hundred dollars (or less), it’s hard to justify forcing everyone into the group plan just because “that’s how we’ve always done it.”

The Blank Check Problem

By Pearly Chen

Most people don’t realize that the standard hospital consent forms in ER could commit you to paying full billed charges from the Chargemaster, where prices can be 500% to 1000% higher than what the government or insurers actually pay for the same services.

Tired of Waiting For Renewal Surprises? Meet Your New Best Friend

Want an indication of what your renewal will look like before your broker does? Tired of waiting for last minute renewals giving you no time to shop around for a better deal? Can’t afford the luxury of your own in-house actuary? No worries, meet Your New Best Friend!

Will AI Take Over Actuary Jobs? 2025 Future of Actuaries

AI transforms actuarial work, not eliminates it. 22% growth projected through 2034 as AI automates tasks while expanding demand for expertise.

+90,000 In 24 Hours

Why has this article received so much attention? It’s now 96,817 and growing still.

Compare Quotes In 60 Seconds & Cut Your Insurance Bill In Half

SOURCE: INSURIFY

Why compare with Insurify?Insurify delivers serious savings with no hidden fees and no catch. We’ve already helped millions of people find exclusive rates and discounts.

Employer Sponsored Group Dependent Coverage Is No Longer Relevant

Families cannot afford dependent coverage costing as much as $15,000-$25,000 per year through employer sponsored group health insurance plans. There’s a solution to this madness.

Texas Historical Commission 2026 Conference

Texas’ premier historic preservation and heritage tourism conference—presented by the Friends of the Texas Historical Commission in partnership with Phoenix 1 Restoration and Construction, LLC—is shaping up to be our most exciting year yet. Register before the final price increase on March 6.

How To Catch A PBM

By Joshua R.

“PBMs keep saying they ‘lower costs.’ Cool story. Then explain why a $14 medication turns into a $487 charge, why pharmacies get clawed back months later, and why patients, employers, and taxpayers all pay more.

Mark Cuban Responds to TrumpRX Launch, Says His Cost Plus Drugs Saves More Money

“I’m a supporter of TrumpRx, but they reduce brand prices by 500 percent or 1,000 percent, while ‘CubanRx’ reduces prices by 1,500 percent” – Mark Cuban

Aldeen’s Sunday Morning Bathroom Read

By Doug Aldeen

“If I ain’t getting a 95% discount, I am getting screwed”

TrumpRx Price List

The 43 drugs on offer include:

Low-Cost Dependent Health Insurance

By Bill Rusteberg

The economic difference between individual health insurance and group insurance is enough to write home about. Most employers pay nothing towards dependent premium cost while Uncle Sam often does for those choosing individual health insurance plans.

GoodRx, PBMs Accused of Suppressing Reimbursements to Independent Pharmacies

“These partnerships amount to price-fixing agreements that enable the PBMs to allocate discount card transactions amongst one another in real time, ensuring the PBMs pay the lowest possible reimbursement rates to pharmacies on every transaction“

Drug Pusher Launches Website

White House Launches Direct-to-Consumer Drug Site TrumpRx. Here’s what to know

Published Thu, Feb 5 2026

KEY POINTS

President Donald Trump on Thursday announced the launch of TrumpRx — a direct-to-consumer website that is key to his administration’s efforts to lower prescription drug costs in the U.S.
The site is not selling drugs directly to American patients, but will act as a central hub that points them to drugmakers that are offering discounts on certain products on their own direct-to-consumer sites.
It’s still unclear if all patients, particularly those with insurance coverage, will see more cost savings from using that site to buy their medicines.

340b Prescription Drugs – Safety Net or Margin Expansion Strategy?

“Hospitals already control the claims. Employers already pay full freight. And employers have no negotiating leverage once the claim hits the plan……SwyftScripts does not control prescribing. Hospitals do not control employer savings. And revenue is not driven by utilization expansion, but by reclaiming margin that already exists in the system.”

Poof, Employer Burns $26,333.38 In Cash – Isn’t That Something?

In just 10 months into a new health plan a small 120 life employer group has paid $56,324.55 for two drugs, (Monjaro and Dupixent) when instead the plan could have paid $26,333.38 for the same drugs, same dosage, from the same manufacturer.

Here’s How PBMs Make Money

By Bryce Platt

Most people think PBMs just adjudicate pharmacy claims (if they know what a PBM even is). Here’s how they actually make money.

Health Care Prices Rise as Role of Private Equity Grows

Illustration by Craig Gottwals – Attorney & RBP Expert

Aggressive billing strategies, remaining out-of-network, exploiting payment disputes to maximize revenue. misuse of the No Surprises Act, with a handful of private equity-backed providers and “IDR middlemen” routinely exploiting the law’s Independent Dispute Resolution (IDR)……

Butler Benefits Offers Texas Brokerage Opportunity

By Josh Butler, President, Butler Benefits & Consulting

I’ve been asked alot lately, “On High Plains Health Plan, do you work with other brokers?”

TPA Attempts To Steal Money From Plan Sponsor

A True Story By Bill Rusteberg

Rarely have we seen documented evidence like this of a practice long held secret within our industry.

How Do Reference Based Pricing Plans Reprice To Medicare When They Can’t?

TPA’s cannot convert revenue-code-only bills to Medicare yet they do. How in the world do they do that?

FTC Consent Order Forces Structural Rewrite of How PBMs Operate

“This consent order more consequential than almost any reg or law to be considered in the last 5 years!”

Hospitals Blame Medicare To Justify Gouging Commercial Payers

“It’s remarkable how they’ve managed to perpetuate the narrative of “losing” money on Medicare. Have to hand it to their PR/marketing departments & lobbying arms for pulling that off.” – Dave Chase

Committee For Responsible Government Budget Spotlights Huge Reference Based Pricing Savings

Hospital Administrator Reacts

Stunning report that surprises no one concludes Reference Based Pricing will save government funded health plans a butt load of money. Who would have thought?

Escape The Volatility of Stop Loss Lasers – The Hot Potato Method

By Spencer Smith

For employers looking to escape the volatility of stop-loss lasers and massive renewals, The Samaritan Fund Program offers a unique path forward.

5 Reasons Businesses Are Abandoning Traditional Health Insurance

By Wiley Long

Most won’t surprise you. But #4 will change how you think about employee benefits. The evidence is overwhelming.

Revenue Cycle Management: Payer Mix Explained

By Eric Bricker, M.D.

‘Payer Mix’ is the proportion of patients w/ each category of health insurance.

Aldeen’s Sunday Morning Bathroom Read – Attila The Hun Addition

“If I were Atilla the Hun not for profit hospital CEO looking to control an entire universe and make a gazillion bucks along the way, I would…………”

$2,418 Hospital Facility Fee For A $93.40 Cortisone Shot

Patients are being hit with this surprise fee just for seeing their doc

Patients who visit hospital-owned doctors’ offices are discovering something that could make them feel sick to their stomach: a surprise “facility fee” unrelated to the medical treatment they receive.

TPA’s Response To Poor Performance

“It’s not our fault!” said the TPA, “The dog ate our homework!”

Follow The Money On A $100 Retail Prescription

Manufacturer sells $100 drug to wholesaler and nets back $5 to wholesaler
Wholesaler sells $100 drug to retail pharmacy and pharmacy nets back $2 to wholesaler
Retail pharmacy is reimbursed $114 by PBM (Claw back potential)
PBM earns $30 commission (rebate) from the manufacturer

ERISA Security Bond Is A Requirement For Most Private Sector Plan Sponsors

SOURCE: Surety Bonds Direct

A surety bond is a type of insurance that acts as a financial guarantee that a promise of performance and ethical behavior will be delivered as required by a contract or agreement. In simple terms, a surety bond protects customers or employees from purposeful theft or financial damage.

Are “Voluntary” Benefit Programs The Next Big Thing In ERISA Litigation?

Joseph C. Faucher

In late December 2025, the same law firm that initiated the wave of “excessive fee” 401(k) litigation matters in 2006 (which continues to this day) filed a spate of lawsuits alleging that several large employers (and their benefit consultants) breached their fiduciary duties under ERISA by allowing excessive or unreasonable premiums to be charged to their employees in connection with so-called “voluntary benefit” programs offered by those employers.

US Department of Labor Proposes Historic Pharmacy Benefit Manager Fee Disclosure Rule

Proposed rule would require PBMs to disclose compensation to self-insured group health plans

Prison Inmate Healthcare Management

SOURCE: TK Health

TK Health provides comprehensive health care services to diverse inmate populations, with services tailored to each client’s need. Our top focus is quality of care and quality levels of service, while providing accountability for use of taxpayer resources.

Albert

I saw this photo on Linkedin this morning and it reminded me of Albert, a South Texas native with one of the biggest set of brass cojones ever recorded within the insurance industry…………..

Cubanparency

Kudos to Mark Cuban’s for making the direct contracts his company has negotiated publicly available, with clear rate information embedded in them. The contract is here.

TPA Says It’s Impossible To Reprice Hospital Claims To Medicare

A TPA for a Reference Based Pricing plan was found repricing inpatient hospital claims at a % of billed charges instead using Medicare rates as the claim benchmark. When questioned the TPA sent the following email response:

“It’s impossible to reprice hospital claims to Medicare. Therefore, RBP repricing is approximated by paying a percentage of billed charges.”

Glenn McLellan

I’ve known Glenn for many years, lucky enough to have done joint work with him in the past. Without hesitation I would recommend his services to anyone who asks – Bill Rusteberg

How Do You Lose $60 Billion In 24 Hours?

By Dutch Rojas

QUESTION: How do you lose $60 billion in 24 hours? ANS: By breaking the one rule Wall Street still cares about.

How Do Average Rates Compare Among Texas Public Sector Groups?

SOURCE: TRS ActiveCare

The following tier rates (employee, spouse, children, family) are based on the monthly composite per employee cost shown in the chart above assuming statistical average participation by tier.

Allstate Benefits Is Now Nationwide

We are excited to share an important update. Effective February 2, 2026, your client’s Allstate Benefits group health plan will join the Nationwide family. This milestone marks the next step of the acquisition previously announced in July 2025. There is no impact to the plan, coverage, service experience, or administration — this is a name change only.

Nationwide Network of Independents Threaten Value Draining Intermediaries

“They are not the big national brokerage houses or the four major health insurance companies. They are small independent operators who have partnered with like-minded experts working in tandem towards a common goal.”

Cost Plus Drugs is Now at Your Local Pharmacy

SOURCE: Team Cuban Card

Switzerland’s Universal “No Single Payer” Health System

By Sheri Mancina M.D.

Switzerland Didn’t “Go Single Payer” when it reformed healthcare. Switzerland has universal healthcare, but it is not a government-run system. There is no national health service. There is no single government insurer. Doctors and hospitals are private. Insurance companies are private.

They separated access from profit. Here’s how the Swiss system actually works — in plain language:

Most Insured Individuals Use Relatively Little Health Care

The use of health care services — and the spending associated with those services — is far from evenly distributed across the population. It has long been known that a small portion of the population accounts for a disproportionately large share of health care spending, with 20 percent of the population typically accounting for
80 percent of total health care spending.

Mitigate Partners Is Worth A 10 Minute Call

The path of a prescription drug from the manufacturer to the patient is a long and winding road …” – Paragon Health Institute, 2026

Indemnity Health Insurance

What is an indemnity health plan?

An indemnity health plan will reimburse an enrollee for a portion of their healthcare costs, regardless of what medical provider the member uses or how much the provider bills.

How Three Communities Cut Healthcare Costs 20-50% and Redirected Savings Back to Employees

When Ashtabula reclaimed healthcare control, they saved $2.4M in year one with just 300 school district employees. That’s $8,000 per employee. The district went from dangerously low reserves to choosing how to spend their dividend: higher pay, better benefits, subsidized healthy food, restored programs.
Approximately $450 million annually flows out of Ashtabula County into distant corporate healthcare systems. A tremendous sum for a county of 100,000 people. That extraction weakens everything: wages, schools, economic opportunity, health outcomes.

Understanding IRS Section 501(r): What Employers and Employees Need to Know

Did You Know That 100,000,000 Americans Qualify For Free Care?

SOURCE: Memberly Benefits.

Healthcare costs can feel overwhelming for both individuals and employers. Fortunately, there are federal rules designed to ensure fairness in how nonprofit hospitals bill patients and provide financial assistance. One of the most important is IRS Section 501(r). Here’s a breakdown of what it is, how it works, and why it matters for employees, employers, and plan sponsors.

Meet Lesli Wood

Lesli Wood – Regional Vice President of Sales for Central/South Texas

She brings over 25 years of experience in the health benefits industry, with a proven track record in sales and account management at organizations such as Allied Benefit Systems and Humana. Her passion for building strong relationships and delivering exceptional service makes her a valuable addition to the Meritain Health Sales Team.

Highest Selling #Drug in America

“A full 2-year course of Keytruda can cost $385,000………………….”

Understanding the New Wave of ERISA Litigation Targeting Voluntary Benefit Plans

What Employers, Plan Fiduciaries and Brokers Need to Know

“These novel lawsuits challenging voluntary benefits are not only notable for what they allege, but also because they implicate consultants and brokers.”

100 Million People Qualify For Free Care

Meet The Bull

Dr. Bill “The Bull” Hennessey is a physician turned whistleblower who has spent decades exposing the fraud, waste, and abuse that cost Americans billions every year. Nicknamed “The Bull” for his aggressive, no-nonsense style, he has been featured on Dr. Phil, national TV networks, and investigative outlets, bringing hidden industry practices into the light.

Judi Health Unveils Launch of Advisory Firm, The Judi Group

stethoscope on red background with piggy bank — The Judi Group’s team will conduct “forensic-level” analyses across the vendors a plan sponsor works with to spot and remedy key issues, according to an announcement shared exclusively with Fierce Healthcare. (Kubra Cavus/GettyImages)

By Paige Minemyer Jan 20, 2026

Capital Rx A.J. Loiacono Employer-Sponsored Health Plan Healthcare Costs

Last fall, transparent pharmacy benefit manager Capital Rx rebranded as Judi Health in a bid to better reflect the breadth of the company’s portfolio.

Buying Loyalty

Carriers & TPAs Compete For Broker Loyalty

By Bill Rusteberg

Years ago when I was a commission driven insurance whore a TPA dropped by my office. “Bill, how many self-funded lives do you have on how many groups?” he asked. “Move 2,000 lives to us and we will not only pay you the same commissions you’re getting now but I will personally deliver a $250,000 check as our way of saying THANK YOU for the business!!”

Direct Provider Agreements

The sign of a good business deal is when both sides walk away happy……

By Bill Rusteberg

For mostly unreasonable reasons everyone wants access to provider agreements when seeking medical care. The term “In-Network” is forever imbedded in the American vernacular.

Aldeen’s Sunday Morning Bathroom Read – NSA Enforcement Dies

“Insurers will know that they can lowball their initial payment and then ignore a subsequent IDR award ordering them to pay more — and there will be nothing providers can do about it.”

Rx Rebates – Maximizing Revenue Through Deception

Hoodwinking – A Popular & Proven Sales Strategy

By Bill Rusteberg

The following illustrates two common practices in the insurance industry to maximize revenue through deception by hiding administrative fees and commissions on the claim side of the ledger with a little help from the PBM.

The Secret World of Stop Loss Insurance Pricing

By Daron Potts

Welcome to the self-funding jungle! Your client is at 60% of manual. They’ve run perfectly for three years. And their renewal is still going up. This is the pricing floor at work.

Illegal Aliens Cost Texas Hospitals Over $1 Billion in 2025

New data from the Texas Health and Human Services Commission surpasses earlier estimates.

President Trump Unveils The Great Healthcare Plan to Lower Costs and Deliver Money Directly to the People

The White House – January 15, 2026

President Donald J. Trump’s Great Healthcare Plan is a broad healthcare initiative that will slash prescription drug prices, reduce insurance premiums, hold big insurance companies accountable, and maximize price transparency in the American healthcare system.

TRS ActiveCare Out To Bid For 2026-2027 Plan Year

Award is expected to be made public in February 2026. Will Blue Cross retain the account? Or will Aetna win the Musical Chair competition against Blue Cross once again? Will United HealthCare win on a toss? Or will all three win, each awarded designated geographic areas where they have the best “discounts?”

No Deductibles? No Co-Pays? Is This Texas-Based Health Insurer Too Good to Be True?

SOURCE: Texas Monthly

Curative says it can turn profits without its customers facing the usual out-of-pocket costs or high premiums. Economists have their doubts.

Bobby Kennedy Willfully Violates HIPP Regulations

“He’s got incredible health. Dr. Oz looked at his medical records and……

90 Degree Benefits

90 Degree Benefits is a national third-party administrator (TPA) specializing in unique health plan solutions, including self-funding and level-funding. With more than 23 local offices across the U.S., our team provides the regional expertise brokers and employers need to take their health plan in the right direction.

Tx. HB. 4144 Expected To Turbocharge Critical Illness Sales

Texas has passed legislation gifting insurance brokers a golden opportunity to sell critical illness policies to Texas political subdivisions.

Ass National Insurance

A Cash Pay plan member goes to a medical provider. Since cash is accepted everywhere there’s no need for a network of “preferred providers.” The member is free to go anywhere and is universally viewed as a “preferred customer.”

Oh Oh

One For The History Books – Texas School District Paid $68,375 In Monthly Commissions To Health Insurance Agent

The La Joya Independent School District has a long history of generosity going back decades. Ruth Villarreal can attest to that. Generous servings from the district’s self-funded health plan honey pot have been a source of untold wealth for Ruth, a local insurance agent with connections.

$68,375.00 per month, for each month remaining on the original term of this agreement at the time of termination.
Continue reading One For The History Books – Texas School District Paid $68,375 In Monthly Commissions To Health Insurance Agent