Risk Managers – Thought Leadership on Health Insurance

Kingsville ISD Gets A History Lesson

In their October 20, 2026 board meeting the Kingsville ISD board of trustees learned their health insurance costs dropped from $5,000,000 to $1,600,000.

International Captive Exchange vs. ESC‑100, Glenn Hillyer & Others……

International Captive Exchange vs. ESC-100.

SOURCE: ChatGPT (Accuracy not guaranteed)

International Captive Exchange, LLC (ICE) is a subsidiary of Health In Tech, Inc., an insurtech company focused on innovation in healthcare risk management, underwriting, and self‑funding.

Best Sales Coaching Happened In An Uber

By Chris Fisher – BenefitsAlly

Some of the best sales coaching I’ve ever been part of happened in the back of an Uber between two broker meetings.

New Pricing Approach for Districts Joining TRS-ActiveCare

Effective Sept. 1, 2026, TRS-ActiveCare will use a new pricing model for districts joining the program. The change helps ensure new districts contribute their share of expected health care costs and reserves while maintaining stable rates for all participating districts.

Chris Fisher’s 3 X 3 X 3 Challenge

If someone can’t be clear, concise, and compelling in 3 minutes, why give them 30. Take fewer bad meetings. Miss fewer good ones. Ask for their 3x3x3 Challenge first.

Medicare Guidance Can Help Reduce Group Insurance Costs

Healthpilot uses AI-powered Medicare guidance to match employees with the right plan, helping members save money and employers reduce group-plan costs with less HR burden.

VytlOne Signs Agreement with MedImpact

By Amy Garrigues. President, VytlOne Oct 26, 2026

I’m writing to share that VytlOne has signed an agreement for MedImpact to acquire our PBM and our affiliate Gateway Health Partners. The proposed transaction does not include VytlOne’s 340B or pharmacy fulfillment assets.

How to Join TRS-ActiveCare

Considering TRS-ActiveCare? We’re Here to Help

Sara Pushes For Healthcare Price Transparency

Your PBM Promised an 18% Brand Discount. The Real Number Is 1.6%

Brand pricing is usually a discount off Average Wholesale Price (AWP). According to Milliman’s March 2026 primer, brand AWP is typically the manufacturer’s list price (WAC) plus 20%. So AWP starts about 20% above list.

Sierra-Berkshire Associates, Inc.

Sierra-Berkshire Associates, Inc. is a Nevada-based corporation, incorporated in February, 1996. The company’s main office is located in Las Vegas, Nevada. Principal Associates are also located in the Hartford, CT area.

How Much Does It Cost?

Want to know the price? Book a discovery call………………….

Health Insurers Must Give Personalized Cost Estimates by Phone Starting with 2027 Plan Years Under Final Federal Rules

“Americans should know what their healthcare will cost before they receive it.” Robert F. Kennedy Jr

Hidden Secrets of the Uninsured

Personal responsibility, shopping for health care, think about health insurance as protection against catastrophic risk to have in case something bad happens………..Insuring a $75 office visit, a $16 lab test, a $1,500 dental benefit by adding the cost of health insurance on top is insanity…………..

Through personal experiences and a passion for his work, Shaun will challenge people to change their perspectives on the 29 million U.S. citizens who do not have health insurance……………

City of Tulsa Implements $2,400 Spousal Surcharge

Well Carol, Cheers To Saving $2,400!

SOURCE: City of Tulsa

Non-sworn employees who are enrolled in the City of Tulsa Benefit Plans will incur an annual spouse surcharge of $2,400 ($92.31 per pay period) if their spouse has access to healthcare benefits through their employer but chooses to enroll through the City of Tulsa plan.

Insane IDR Awards Turbocharge Claims Up To 30 X Medicare Rates

“Mr. Kueter said upwards of 40% of claims that start the IDR process are ineligible, and about 60% of arbitration cases are brought forward by five entities. He added that when arbiters align with the out-of-network providers, the average payout is now 11 times what Medicare would pay, and some determinations are 30 times Medicare rates.”

On-Exchange vs. Off-Exchange ACA Marketplace Plans

SOURCE: UnitedHealthcare

If you’re familiar with Affordable Care Act (ACA) Marketplace plans, you may already know how they work. ACA Marketplace plans are health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid. But do you know the difference between an on-exchange plan and an off-exchange plan? Read on to learn which choice could be the right fit for the coverage you need.

Rip Off Artists Feed Off Clueless Plan Sponsors

By Bill Rusteberg

Somebody is getting ripped off somewhere. And it could be you.

Best Benefits Online™ Is Your New Best Friend

Best Benefits Online™ modernizes employee benefits with real choice, and zero admin complexity—all in one platform – A modern, sensible and common-sense solution for employer sponsored health plans and associations.

Texas County Seeks Fee-Based Insurance Consultant

Willacy County Seeks Insurance Consultant

Willacy County is not seeking a conventional insurance broker or another plan administrator. It wants an outside expert who can help protect and improve an existing cost-containment model, evaluate claims performance, strengthen direct provider arrangements, and support sound financial decisions.

PRAM Rx

PRAM is a licensed Insurance Underwriter and General Agent. PRAM is one of the nations leading Pharmacy Underwriters that brings over one hundred years of knowledge in underwriting and managing employee benefits for not only Independent Companies, but Associations, Franchises and Trusts.

Port of Corpus Christi Seeks Broker of Record

The Port of Corpus Christi Authority is soliciting proposals from qualified insurance brokers to provide insurance brokerage and risk management consulting services, including insurance placement, risk exposure analysis, claims assistance, and ongoing advisory services for the Port’s insurance and risk management programs.

Check It Out, Urgent Care Is Fun

Ever been to an urgent care? Check it out, it’s fun. There’s no ego in an urgent care.

The Legal Wave: Why Health Plans Are The Next ERISA Battleground

Plan sponsor pleads for mercy…….”I didn’t know my broker made us broker!”

Passive plan management is no longer an option plan sponsors can afford…………

Weslaco ISD Believes The More The Merrier…………..

The Weslaco Independent School District believes having three insurance agents sharing the spoils is better than having just one, so they hired four…………..

Brokers: Learn More About ZERO FIRST

We shared Curative’s new plan design, Zero First, with you last week. Friday’s your chance to get additional details, straight from our CEO, Fred Turner.

Look Up Where Your Generic Prescription Drugs Were Made

SOURCE: ProPublica

The FDA won’t tell Americans where their generic drugs are made, so ProPublica did it instead. Use information on your prescription label to locate the factory and see inspection reports.

Plan Sponsors Suffer From Learned Helplessness

“Learned helplessness occurs when a person who has experienced repeated challenges comes to believe they have no control over their situation. They then give up trying to make changes and accept their fate” – Seligman & Maier

Section 125 Cafeteria Plan Penalties: What Happens When a Plan Fails

SOURCE: Section 125 Cafeteria Plan Penalties for Employers

Quick Answer (as of 2026): The IRS does not charge one flat fine for a Section 125 cafeteria plan failure. The penalty is that the plan stops being a cafeteria plan, so every pre-tax deduction becomes taxable wages. The employer then owes back FICA and income tax withholding, plus IRS failure-to-deposit penalties of 2% to 15% and interest.

Aldeen’s Sunday Morning Bathroom Read

By Doug Aldeen

The Kaiser Foundation recently reported that in Texas nearly half of nonprofit hospitals say they will bill patients before screening them for financial aid. And most hospitals will not offer refunds to patients who pay and are eventually found to qualify for free care.

All Self-Funded Health Plans Must Do This March 2027

Government says if you’re self-funded you have to do this in 2027 or face punishment if you don’t.

Medicare GLP-1 Bridge

The Medicare GLP-1 Bridge is a short-term demonstration run by CMS that will provide eligible Medicare Part D beneficiaries with access to certain GLP-1 drugs between July 1, 2026, and December 31, 2027.

Congress Wants to Eliminate IDR

“I knew it was not going to go well, but I didn’t know it was going to be this bad.”

American Tries Healthcare in China — He Couldn’t Believe the Cost

Americans are increasingly choosing healthcare in China for advanced medical treatment. See how technology is changing care.

TotalRx Is A Free Service

Never pay retail for any FDA approved prescription with TotalRx.ai !

Willacy County Seeks Insurance Consultant

The Willacy County Health Plan risk pool is a community-based plan. Participating entities join through an interlocal purchasing agreement and share underwriting losses/profits and administrative expenses.

HR Conducts Short & Pithy Open Enrollment Meeting

HR DIRECTOR: Good Morning Children! Welcome to Open Enrollment. Everyone should have a copy of the Plan Document in front of them. Let’s get started!

McAllen ISD Has A $9,000,000 – $12,000,000 Headache

SOURCE: McAllen ISD Board Meeting October 20, 2026

At their 20 October 2026 board meeting trustees of the McAllen Independent School District will be reminded they have a $9,000,000 to $12,000,000 health insurance problem.

The good news is they should feel much better knowing the Brownsville Independent School District just down the road has a $28,000,000 health insurance headache.

THE BROKER PAY FILES | EPISODE 1

“In a Blue Cross and Blue Shield of Texas proposal for the CITY OF GALVESTON‘s 2025 health plan, under “Commissions,” Gallagher was listed to receive $2.25 for EACH net paid pharmacy claim…….Now look at Austin Independent School District ……………”

ZERO FIRST HEALTH PLAN

Over the past year, brokers kept telling us the same thing: clients love Curative, but price is often the deciding factor. So, we built Zero First. A Curative plan that stays true to our mission of $0 access to care at a more competitive price point.

Get Sick To Get Paid

When a provider bills less than the benefit the plan member receives a check for the difference………………..

Knowing When To Say Goodbye

Albert knew when it was time to say goodbye……………………

Were The Cats On The Ship?

By Marc Gravely

In 1780, a London broker told a client his claim came down to one question. Were there cats on the ship?

Another Win For Curative Insurance Company

Bexar Central Appraisal District trustees awarded a one-year contract to Curative Insurance Company at their October 12 board meeting after a 37 second pithy yet compelling presentation by the district’s insurance consultant.

More Large Groups Adopt ICHRA

“Except the fastest-growing segment is employers with 1,000+ employees. Adoption there is up 178%. These aren’t businesses with no benefits history. These are companies that ran full group plans for years and decided a defined-contribution individual model is the better buy.”

OPEN LETTER TO BISD TRUSTEES

By Bill Rusteberg

You will not hear this from any insurance broker or consultant. But it needs to be said………..

Digital Therapeutics: When Apps Become Medicine

“As we transition into an era defined by patient-centric care, the integration of digital tools into traditional clinical pathways is no longer a futuristic concept but a tangible reality.”

Algorithmic Underwriting: The Future of Payer Ecosystems

“In an era where consumers expect instantaneous service, the traditional underwriting turnaround time—often spanning weeks—is no longer competitive. Algorithmic underwriting addresses this bottleneck by automating complex approval workflows, allowing for near-instantaneous decision-making.”

West Texas Hospital Administrator VS RBP Rable Rouser

Lubbock Texas is a two-hospital town supported by managed care plans including Medicare and Medicaid. Commercial insurance plans, 100% of which are managed care plans too, subsidize Medicare and Medicaid patient because hospitals say they do.

Legislation Introduced To Fix The No Surprises Act Arbitration Process

When You Can’t Get It Right The First Time….

“The arbitration process (IDR) is clearly not working. A few bad actors—largely backed by private equity—are gaming the system……………..”

Why Your Group Health Plan Feels Like a Group Project That Never Ends (And How ICHRA Fixes It)

By Michael Reagan, CBPA – October 10, 2026

Remember when health benefits were simple? You picked a carrier, hoped the renewal didn’t make you cry, and spent the rest of the year explaining why Brenda in accounting still can’t find an in-network dermatologist. Those days are mostly gone.

Another School District Health Plan Serving 100 Districts Bites The Dust……….

By Allison Bell, BenefitsPro, 10/2/2026

Idaho school districts used the trust to provide medical, dental and vision benefits.
The trust served 16,500 school district employees and dependents.
The trust was not backed by the state guaranty fund.

PPOs Double Your Pleasure, Double Your Fun….

“Double your pleasure, double your fun with double mint, double mint, double mint gum.”

RiskManagers.us Business Statement

RiskManagers.us is a specialty company in the benefits market that, while not an insurance company, works directly with health entities, medical providers, and businesses to identify and develop cost effective benefits packages, emphasizing transparency and fairness in direct reimbursement compensation methods.

HR Executives Face Unprecedented Personal Liability

HR Director Reacts After Served With Lawsuit

“A perfect storm of Supreme Court decisions, aggressive litigation and emerging technologies is exposing HR executives to unprecedented legal liability, even for decisions made by their outsourced partners.”

Risk Tolerance – The Fundamental Basis of Goal Setting

“The problem I see with most health insurance consultants is almost all pre-determine a client’s tolerance for risk before determining where the risk tolerance actually lies.”

Brownsville ISD Believes In Magic

Live Stream | Brownsville ISD – Start 1:36 through 1:55

At their October 6, 2026 board meeting the Brownsville Independent School District trustees, facing a $28,000,000 deficit on their self-funded health plan, approved a one-year extension to make it worse.

Public Filings Expose Voluntary Benefits Commissions to ERISA Litigation Risk

“Plaintiffs are borrowing legal theories long used in retirement-plan fee cases, including breaches of prudence and loyalty, failure to monitor and prohibited transactions….”

Big Pharma Sues Over Lower Drug Prices

Reuters

By Michael Erman

Oct 7 (Reuters) – The pharmaceutical industry’s top lobby group ⁠on ⁠Wednesday sued to invalidate one piece ⁠of the Trump administration’s efforts to benchmark US drug prices to lower costs overseas in the Medicare health insurance program, arguing that it is an illegal overreach by the US government.

UHC Golden Rule Commission Bonus Opportunity

If you are a consumer, don’t read this top-secret insurance posting……………

Holy Voluntary Benefits Batman

By Trey Shields

Aon rained all over Macy’s parade, allegedly. Snagging $13.2M in commissions out of just $36.1M in premiums?

Carvan Coverage LLC

Micromanaging Insurance Committees

“When you micromanage, you’re telling your team you don’t trust them.” – Simon Sinek

Pharma USA 2027

North America’s largest cross-functional pharma gathering………..

Following the launch of Reuters Events Pharma USA 2027, we’re now looking to recognize the innovators and future leaders shaping the next chapter of Pharma.

Insurer of Last Resort

“No problem Joe, I’ll make a call for you”

The obituary is fake. George Parr, The Insurer of Last Resort, is alive and well……….

How Medicare Premiums Are Calculated and Set

Over 20% of the U.S. population are Medicare beneficiaries. Medicare is described as health insurance but it’s not. It’s a government tax-based pool of money used to pay for the health care needs of mostly old people……….old people who have paid into the pool all their working lives and most if not all continue to pay whether they use it or not. What they pay is called premiums.

Trump to Give $90 to Senior Citizens for Medicare Premiums

By Kaanita Iyer, Tami Luhby, CNN – October 3, 2026 – Source: CNN

President Donald Trump said late Friday he will give around 20 million senior citizens $90 each to help pay for their Medicare Part B premiums, marking his latest effort to dole out funds to certain Americans weeks before the midterm elections.

Government Approves Reference Based Pricing Plans for 2028

“Health plans that aren’t built around provider networks will be allowed on the ACA individual marketplace beginning in 2028, marking a structural change to a system that has operated exclusively on network-based models since the ACA launched more than a decade ago.”

Network Plans Save Money

Nothing complicated about it. Network plans improve mental health and save money at the same time………

By Bill Rusteberg

Everyone loves their health insurance plan. High deductibles, ever higher out-of-pocket costs, and narrow networks encourage patients to avoid the stress and expense of accessing care when needs arise. Maintaining mental health has never been easier.

Dry Cleaning Insurance

New niche market for brokers seeking relevancy in the dry-cleaning business.

Tips for Fee-For-Service Doctors

Now that there are no taxes on tips, more doctors are taking notice. What better way to wean off the fee-for-service teat than to work for tips.

Former Hospital Administrator Does A Benedict Arnold

Former hospital administrator moves to the other side of the table, using his insider knowledge to help plan sponsors manage their healthcare dollars wisely……

Rx Prices – You Can’t Fix What You Don’t See, You Don’t Know What You Don’t Know………..

“You can’t fix what you don’t see. You don’t know what you don’t know. We see opportunities others miss. We do what others don’t. Winning together is our goal” – Bill Rusteberg

By Mike McLain

The drug costs $133 a year at cash price. The JPMorgan plan paid $74,751…….1 employee. 1 generic drug. 12 fills.

RiskManagers Business Statement

County Raises Sales Tax To Support Health Care Needs of 700,000 Residents

Sales tax increase expected to raise $1 billion annually to benefit 700,000 residents and punish hospital ERs.