Ryan’s Blogs

Purchasing Coalitions

Purchasing Coalitions: Limit Expenses By Spreading Risk

BY RYAN SPENCER For small to mid-sized employers, acquiring benefits can be an expensive endeavor. With only a few people on staff, the business has limited negotiating power, and a single individual with cancer or another major illness can significantly increase the rates for everyone on the plan. In the worst conditions, these businesses could...…

How to Turn Health Care into a Variable Cost

BY RYAN SPENCER Each year, companies all over the country allow the price of their benefits to increase. Though they may not like it, they accept their benefits package as a resource that’s bound to rise in price. But these same companies would fight tooth and nail if their rent or office supply costs increased...…

Health Insurance Results Matter, And You Should Demand Them

BY RYAN SPENCER My two-year-old daughter has a stockpile of toys adorned with flashing lights, buttons, and speakers. When a toy inevitably breaks or runs out of battery, she casts it aside. Like many of us, she only wants to play with the toys that light up the most.  In the health insurance industry, we...…