CEOs turn to their Head of HR. HR is understaffed. They are being asked to take care of all their employees and families and all the issues associated with keeping them as healthy and sane and productive give as possible. It’s an impossible job. When I talk to that Head of HR, they say they have to trust the big insurance carriers who are their ASO and PBM. They have no choice but to On one hand their members are terrified to change their insurance carriers for fear of losing their doctor, or other continuity issues The vertically integrated conglomerates that own the ASO, PBM, ClearingHouse and so many more companies that have contracts with the employer , know they are afraid to change , so they take advantage Even when that employer uses a consultant or broker , there is probably a 50pct or greater chance the broker/consultant doesn’t want to go through the work of changing, they would rather collect their fees and not change. There are even reporting requirements (Form 5500) to disclose these costs, but the ceo has no clue about them. All this leads to lack of change. Even when every penny they save goes right to the bottom line and increases their stock price What I told a ceo today ? Take a off of all of your healthcare contracts and put it in your Claude , ChatGPT, grok, Gemini, whatever and use this prompt “Where are they ripping me off “ They are always shocked.(Mark Cuban)