The Bad News
U.S. Health Care System is broken
U.S. has a “sick care” system,
one “that waits until we become ill
before it kicks into action.
- Stephen C. Schimpff, M.D.
Yale School of Medicine
We are treating symptoms, Not causes
Due to high monthly premiums, most Americans are electing high deductible plans.
But those same people on high deductible plans are 3x more likely to delay care due to costs. Allowing for solvable conditions to turn into chronic conditions.
too many of us are sick...
60% of American have at least one chronic disease
It's bankrupting our economy
Chronic conditions contribute to 90% of U.S. Health Care costs ($4.5 trillion).
Pharmacy benefit managers (PBM’s) and insurance companies are bad actors
40 state attorney generals and the federal government have filed lawsuits against the biggest players for inflating the cost of healthcare on Americans.
It's bankrupting Companies
68% of employers cite rising premiums/deductibles as their #1 concern, causing cost burdens, along with retention & recruitment issues.
Another ~50% of businesses reported losses in the past 5 years due to the health costs now consuming 12% of payroll expenses.
It's bankrupting People
Average annual premiums for family plans rose to ~$26k in 2024 -> A 24% increase from 2019, with another 8% increase expected for 2025.
Roughly 550k Americans file for bankruptcy every year due to healthcare costs. Note this number is understated as one American filing for bankruptcy could represent a family of four.
Stay informed about healthcare changes
2025 Key Trends in US Benefits
As healthcare costs continue to rise, employers are trying to balance the need to take care of their workers with the need to keep costs under control. Aon’s 2025 U.S. Health Survey provides insights into the choices employers are making, and their potential effects on costs.
We predicted this would happen in 2026, but luckily that is trending up in 2025!
UnitedHealth Group C.E.O.: The Health Care System Is Flawed. Let’s Fix It.
Days after United Healthcare CEO Brian Thompson was murdered. Their highest in command wrote an opinion piece in the NY Times admitting the failure of the American healthcare system.
The Rage and Glee That Followed a C.E.O.’s Killing Should Ring All Alarms
The Rage and Glee That Followed a C.E.O.’s Killing Should Ring All Alarms
Princeton University professor Zeynep Tufekci shares the other sides viewpoint on why so many American's celebrated the death of United Healthcare CEO Brian Thompson and viewed the assassin as some sort of folk hero.
Who Is To Blame For The United Healthcare Killing?
Who Is To Blame For The United Healthcare Killing?
The Rage and Glee That Followed a C.E.O.’s Killing Should Ring All Alarms
The murder of UnitedHealthcare CEO Brian Thompson has been a pretty polarizing issue over the last few weeks.
Our CEO tried to breakdown how these reactions came about and what you can do about it as an American.
Joe Rogan Calls Out Healthcare in America
Who Is To Blame For The United Healthcare Killing?
Joe Rogan Calls Out Healthcare in America
This long podcast reveals how our broken healthcare system was built and why it is still maintained today.
US Government Sues Healthcare Carriers
Who Is To Blame For The United Healthcare Killing?
Joe Rogan Calls Out Healthcare in America
The FTC brought action against the top PBMs — CVS Health's Caremark Rx, Cigna's Express Scripts, and United Health Group's OptumRx — saying the companies created a "perverse drug rebate system" that artificially inflates the cost of drugs for hardworking American's.
Wells Fargo, J&J & Metlife Sued by Employees for Not reducing healthcare costs
Wells Fargo, J&J & Metlife Sued by Employees for Not reducing healthcare costs
Wells Fargo, J&J & Metlife Sued by Employees for Not reducing healthcare costs
Employees at major companies around the US are filing lawsuits against their employers for not covering their fiduciary responsibility to reduce the cost of healthcare.
This is a wake up call for HR departments who have commonly considered "new" healthcare programs as too risky, when the bigger risk is now not taking action with the new programs created under the Affordable Care Act.
More States Sue Healthcare Companies for inflating costs on American's
Wells Fargo, J&J & Metlife Sued by Employees for Not reducing healthcare costs
Wells Fargo, J&J & Metlife Sued by Employees for Not reducing healthcare costs
More and more states are filing class action lawsuits against America's Pharmacy Benefit Managers (PBMs). Caremark, Express Scripts and UnitedHealth Group's OptumRx together make up about 80% of the PBM market.
PBMs negotiate with drugmakers, health insurance plans and pharmacies to set prescription drug prices and decide which drugs will
More and more states are filing class action lawsuits against America's Pharmacy Benefit Managers (PBMs). Caremark, Express Scripts and UnitedHealth Group's OptumRx together make up about 80% of the PBM market.
PBMs negotiate with drugmakers, health insurance plans and pharmacies to set prescription drug prices and decide which drugs will be included on their so-called formularies — lists of drugs covered by insurance.
The IRS clears the air on taxation of fixed-indemnity benefits
Wells Fargo, J&J & Metlife Sued by Employees for Not reducing healthcare costs
The IRS clears the air on taxation of fixed-indemnity benefits
Since these programs first came about in 2016 there has been constant debate about the legal validity of these programs being offered to companies and their respective people.
Aflac and Alston & Bird LLP clear the air on IRS expectations and what you need to do to stay compliant when creating these programs.
IRS Wishlist Omits changing tax treatment of HCA plan in 2024
BREAKING NEWS: IRS Green lights Health Plans to take effect June 17, 2024
The IRS clears the air on taxation of fixed-indemnity benefits
Here's the link to the IRS Green Book (link) (General Explanations of the Administration’s Revenue Proposals). The Green Book summarizes the Administration’s tax proposals contained in the Budget. The Green Book is not proposed legislation, and each of the proposals must be introduced and passed by Congress. Of note, the Green Book is k
Here's the link to the IRS Green Book (link) (General Explanations of the Administration’s Revenue Proposals). The Green Book summarizes the Administration’s tax proposals contained in the Budget. The Green Book is not proposed legislation, and each of the proposals must be introduced and passed by Congress. Of note, the Green Book is kinda like a wishlist for the IRS.
Here's a quick recap of IRS' wishes for the taxable treatment of fixed indemnity payment to employees. Within the FY2023 Green Book (link), it can be found on page 105 of 114 (near the back of the document). Within the FY2024 Green Book (link), it was pushed back even further to page 212 of 219.
BREAKING NEWS: IRS Green lights Health Plans to take effect June 17, 2024
BREAKING NEWS: IRS Green lights Health Plans to take effect June 17, 2024
BREAKING NEWS: IRS Green lights Health Plans to take effect June 17, 2024
The IRS has been targeting the reimbursement of "unsubstantiated" medical expenses and bad actors in this marketplace who would set-up a fake wellness program and then fraudulently charge the client while not offering true medical benefits.
On April 3, 2024 the IRS, Department of Labor and Department of Health and Human Services establish
The IRS has been targeting the reimbursement of "unsubstantiated" medical expenses and bad actors in this marketplace who would set-up a fake wellness program and then fraudulently charge the client while not offering true medical benefits.
On April 3, 2024 the IRS, Department of Labor and Department of Health and Human Services established a tri lateral agency agreement on what is legal and what is illegal when it comes to implementing these programs in America.
Miami Puts Government Employees on HCA Program
BREAKING NEWS: IRS Green lights Health Plans to take effect June 17, 2024
BREAKING NEWS: IRS Green lights Health Plans to take effect June 17, 2024
The public sector is starting to get in on the action that all the private companies have long known about.
Miami became one of the first cities on record to rollout an HCA program that will save the city money while more importantly reduce healthcare costs for employees.
CPA Journal
As healthcare costs continue to rise, employers are trying to balance the need to take care of their workers with the need to keep costs under control. Aon’s 2025 U.S. Health Survey provides insights into the choices employers are making, and their potential effects on costs.
We predicted this would happen in 2026, but luckily that is trending up in 2025!
Healthcare as a human right: A conversation with Sen. Bernie Sanders
U.S. Sen. Bernie Sanders (I-VT) has been shaping public health policy for decades, in keeping with his conviction that healthcare is a human right.
In this fireside chat, he’ll discuss what human rights framing should mean for health care in the U.S. He also shares his views on critical issues including prescription drug pricing, food ins
U.S. Sen. Bernie Sanders (I-VT) has been shaping public health policy for decades, in keeping with his conviction that healthcare is a human right.
In this fireside chat, he’ll discuss what human rights framing should mean for health care in the U.S. He also shares his views on critical issues including prescription drug pricing, food insecurity, and efforts to expand access to primary care for the hardworking American.
Nonprofit hospitals saved $37 billion in taxes. Here's what they delivered in return
Hospital care contributes to 30% of the US healthcare spend. Many of these institutions are deemed as non profit. But are they really a non profit? USA Today breaks down how hospitals saved $37B in taxes while only paying out $15.2B in charity.
Seven reasons why Americans pay more for health care than any other nation
USA Today reveals a lot of the reasons why we pay so much for healthcare in America.
Which reason do you think is number 1?
What will RFK Do to US Healthcare?
Robert F Kennedy Jr has been nominated by Donald Trump to be the next US health secretary, a post that oversees everything from medical research to food safety and public welfare programs.
Speaking in an NPR interview, Kennedy said Trump had given him three “instructions”: to remove “corruption” from health agencies, to return these bodies
Robert F Kennedy Jr has been nominated by Donald Trump to be the next US health secretary, a post that oversees everything from medical research to food safety and public welfare programs.
Speaking in an NPR interview, Kennedy said Trump had given him three “instructions”: to remove “corruption” from health agencies, to return these bodies to “evidence-based science and medicine”, and “to end the chronic disease epidemic”.
Real Time Updates On The US Healthcare system
Columbia Professor Anthony Zenkus has some rather polarizing takes on the status of America in general. His X feed can be a good place to discover some of the more unsettling parts of the US healthcare system.