“The Big Beautiful Bill, signed into law by President Trump on July 4, 2025, spans nearly 900 pages and touches numerous aspects of federal policy. Nestled within this lengthy legislation are employee benefits provisions that will require employers to navigate new rules, opportunities, and compliance requirements.” – Amundsen Davis
Continue reading More Reasons Why Employers Are Getting Out of The Health Insurance Business
By Bill Hennessee
Question: What prevents all of the best healthcare savings solutions to be implemented in large self-insured companies?! Answer: The TPA network agreement.
Continue reading The TPA Network Agreement – The Wooley Mammoth in the Room
By Bill Rusteberg
It’s easy to spot a Me-Too Broker. You know the type. The kind that goes along to get along. Remember Little Johnny in second grade? He was the teacher’s favorite. Remember that? Well………..Little Johnny changed his name to John and he’s now a group health insurance broker posing as a consultant.
Continue reading Me Too BrokersBill sets the record straight on the Big Beautiful Bill.
Continue reading Billy Explains Medicaid In 4 Minutes
“Health insurance woes took center stage at the McAllen ISD Board Workshop on May 28, 2025, as officials revealed a projected shortfall of $4.8 million for the district’s health insurance plan.”
Continue reading McAllen ISD Faces $4.8M Health Insurance Shortfall
“One of the main advantages of impromptu collaboration is its ability to foster quick thinking and adaptability. “ – Josua Evans
Continue reading Say Goodbye to Scheduled Meetings: The Benefits of Impromptu Collaboration
By Patrick Moore
5 years ago when I was building a slide deck about the biggest health insurance companies in the 🇺🇸 the named popped up. I spent my career on the group side so it was never really a company i paid attention to. They focus alot on the medicaid and the individual market under a brand called Ambetter Health.
Continue reading Centene Corporation – The Biggest Health Insurance Carrier You Never Heard Of
“Employers should assess employee preferences for group plans versus CHOICE arrangements, documenting decisions to demonstrate fiduciary prudence…...Employers must ensure group coverage remains comprehensive and cost-effective compared to CHOICE arrangements…… Fiduciaries may need to evaluate whether continuing group plans……….”
Continue reading Will Employers Replace Defined Benefit Plans with Defined Contribution Plans?
The suspect on the left is Joe Wilson. Don’t let him in the door he might sell you something. He’s that good.
Continue reading Frontier Direct Care
SOURCE: Aegis Risk
Stop loss insurance is getting more expensive. Average rate increases for 2026 are expected to be in excess of +20%. Higher prescription drugs costs is one of the main cost drivers. However, there are alternatives for plan sponsors to consider.
Continue reading Employer Built Stop Loss
By Bill Rusteberg
Ruben Edelstein practiced managed care in his own way. The son of immigrants, he ran a successful furniture business in South Texas. An astute businessman, he grew the business with locations throughout the Lower Rio Grande Valley in deep South Texas.
Continue reading Ruben Edelstein
Structuring a self-funded health plan requires positioning of more moving parts than a Swiss watch. All must sync in perfect harmony but often don’t. And the costs can mount up fast, often costing more than $100 per employee per month in administration fixed costs alone.
Continue reading MedSave’s Simple Plan
June 5, 2025
To: Insurance companies writing personal automobile and residential property policies in Texas
Re: 2025 HelpInsure.com price comparisons data call
The Texas Department of Insurance (TDI) issues this data call to gather information for the HelpInsure.com website. HelpInsure is a resource for Texas consumers who are shopping for personal automobile or residential property insurance. Insurance Code Section 32.102 requires that TDI provide this information. Responses for this data call are due by July 11, 2025.
Continue reading Commissioner’s Bulletin # B-0005-25
By Bill Rusteberg
A few years ago we were having a few late afternoon beers, as was customary on most business days, at the CEO’s private office in West Texas. Although I was not a “regular” since I lived many miles away, when I had occasion to visit I always looked forward with keen anticipation to the late afternoon “business meeting” that would invariably take place. It was always an enjoyable time, with much banter back and forth, with an occasional visitor or two dropping by to add to the atmosphere.
Continue reading There’s No Such Thing As A Million Dollar Claim
George is an incredibly talented health insurance broker. He writes and services more business than all the largest brokerage houses combined in days gone by.
Continue reading Meet George, Your New Health Insurance Broker
Peyton Manning is super excited about the news!
Continue reading Allstate Benefits Group Health joins Nationwide®
Texas government health plan for pubic school employees has published 2025-2026 benefits and rates. Go here, pages 24-37 for details.
Continue reading TRS ActiveCare 2025-2026 Benefits & Rates
“You are short sighted. When the new board gets in you will regret this.” – TPA
The year was 2004. The TPA was Houston based. The group was a South Texas school district located in the Lower Rio Grande Valley.
Continue reading South Texas Politics – A True Story