Medical Trend Doesn’t Exist, You Just Think It Does

By Bill Rusteberg

Medical trend is driven by managed care contracts and has little to do with cost of health care. Yet plan sponsors continue to hear the same message at every renewal – rising medical costs are due to an aging population, advanced technology, government mandates, Medicare cost shifting and other plausible but questionable representations from industry soothsayers.

Lasers Are To Die For

By Bill Rusteberg

Lasers are to die for. We should love them! I’d rather take a chance than pay an upcharge for something that may or may not happen.

Will The Free Republic of Liberland Ever Have A Single Payer System?

Liberland is the first decentralised autonomous government and also the world’s ‘freest country’……which means freedom draining government mandates like the ACA won’t ever see the light of day…………

How To Make Millions Scamming Self-Funded Health Plans

By Bill Rusteberg

Life has never been better for seasoned health insurance salesmen. They know how to stretch plan contributions to their advantage without increasing them. And medical inflation is their best friend, a convenient scapegoat that doesn’t exist yet blamed for cost increases upon every renewal whether deserved or not.

Risky Risk Pools Plague Texas School Districts

“How can a superintendent or school board, as fiduciaries of taxpayer funds, jeopardize a district’s assets by participating in a risk pool, when they have no idea as to the pool’s financial ability to pay losses?” – Robert Reim

Aldeen’s Sunday Morning Bathroom Read

State lawmakers could implement standardized model contracts for state employees, cities, counties and school districts…………..

King Murray – The Most Outrageous Insurance Salesman That Ever Lived!

Murray was a most amazing character and ended up selling me life insurance….. at 27 years old!

Skyward Specialty Insurance

By Arleigh Kennedy – Stop Loss Expert

It’s frustrating how many people still don’t know Skyward Specialty Insurance is a direct writer of Stop Loss. Through our wholly owned subsidiary, Great Midwest Insurance Company (GMIC), we hold the paper, bear the risk, and stand on our own balance sheet. We aren’t renting paper. We are the direct writer.

ATTN. RISK MANAGERS: Here’s A Doozy You Won’t Want To Miss

September 16, 2026 at 5:30 PM – Employee Benefits, Insurance and Risk Management Committee Meeting

Plan Sponsor Achieves The Impossible

QUESTON: How did this midsize group reduce their Rx spend by 45% while all plan members continue to receive the drugs they need? How was it possible to drop their PMPM Rx cost from $133 to $60?

Willacy County To Issue RFQ For Insurance Consultant

The prior consultant who served Willacy County for 20 years resigned effective August 1, 2026. The county is now seeking a replacement.

Another Wisniewski Truth Bomb

By Leon Wisniewski – Revolutionizing Healthcare Spending | Founder @Health Cost Labs | Actuarial & Forensic Audit Expert | 20+ Years of Experience Working in the Healthcare Industry | Top 100 Innovators & Entrepreneurs!

Today the primary reason why healthcare is messed up is because employers give their cash to another vendor to do the bookkeeping. And that vendor proves their value by demonstrating how they pay less for treatments by using a number that never expects to be used for payment.

Trump Plans $500 Obamacare Rebates

Solange Reyner – Wed, September 9, 2026

The Trump administration plans to distribute $500 direct deposits to roughly 1 million people who buy their own health coverage without federal premium subsidies in 30 states ahead of the Nov. 3 elections.

Dr. Juliet Breeze – “Our Story Is For Everyone”

Next Level was founded by Dr. Juliet Breeze, who is also a mother. She experienced first-hand how challenging and expensive it can be to seek care for her injured son at a freestanding emergency room.

Curative Insurance Company Meets With Texas House of Representatives

By John Bock

I wanted to share that our CEO, Fred Turner, recently testified before the Texas House of Representatives Select Committee on Healthcare Affordability and laid out why newer health plans like Curative keep running into the same wall: hospital consolidation.

Brownsville ISD Enters The Twilight Zone

Do-Nothing Meeting – A Must-See Lesson On How To Do Nothing While Trying To Do something………….

The Brownsville ISD Board of Trustees meeting is an amazing example of ineffective leadership and an incompetent administration too scared to act. The meeting revolves around a recent RFP for group health insurance for their $60,000,000 DEFICIT SPENDING HEALTH PLAN…………..that’s currently $20,000,000 in the hole.

Call Me DOCTOR!

Titles mean a lot to some people, especially among educators. Obtaining a PHD isn’t that hard if you know how. Now it’s much easier.

Medicus Pharma Inks Global Licensing Deal With Pfizer Worth Over $1 Billion

Story by Vandana Singh

Medicus Pharma Ltd. MDCX secured on Wednesday an exclusive, sublicensable global license from Pfizer Inc. PFE to develop, manufacture, and commercialize PF-08046031 (CD228V), an early clinical-stage antibody-drug conjugate targeting melanotransferrin.

Lawnchair Larry Had A Different Kind of Pilot Life Insurance

Lawnchair Larry had his own version of a life insurance policy thanks to his girlfriend. She bought Larry a parachute hoping he didn’t have to use it. He didn’t.

Here’s A Texas Health Insurance Company You’ve Never Heard Of…

“We empower families to take charge of their healthcare — equipping them to save money and find providers that align with their value”

The Number 1 Digital Agency For Small Business Insurance

SOURCE: Insureon

Insureon is the #1 digital agency for small business insurance. We’re licensed in every state and have access to 100+ top-rated insurance providers, including The Hartford, Chubb, Hiscox, Liberty Mutual, and Travelers.

Win Government Contracts Before The RFP Drops

Civic IQ monitors council meetings, CIPs, and contract expirations across 100,000+ state, local, and education agencies — and delivers ranked government procurement signals to your B2G sales team before the bid goes public.

The ICHRA Shop Does It Again

By Brad O’Neil

BREAKING: ICHRA is becoming the CHOICE Arrangement—and we were already building for what came next.

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……….

Brownsville ISD Insurance Committee To Address Decision Making Process

The Brownsville Independent School District’s self-funded health plan has a rich history going back years. Now, as we enter yet another episode of “As The World Turns” a BISD board member with a little help from his friends is on the warpath. You don’t want to miss this episode……………….

RiskManagers Website Defies Normalcy Because It Does

How many times have you visited a website and walked away wondering what exactly do they do? That’s by design. The strategy is to create as much curiosity as possible to motivate engagement.

Rx Financing: If It Doesn’t Make Sense It Does

By Bill Rusteberg

Why do we need insurance when 85% of the 26,715 FDA approved drugs covering every therapeutic class are low-cost generics with most costing $4 – $10 for a 30-day supply and the national average including higher cost generics costing an average of $35-$45?

Aon Acquires USI Insurance From KKR in $17 Billion Deal Targeting Middle Market

By Chad Hemenway | August 31, 2026

Aon plc early Monday confirmed a definite agreement to buy USI Insurance Services from private equity firm KKR for $17 billion.