PARTNERTom Studer

These dreams were being destroyed by the ever-increasing cost of health insurance. Employees, as well as employers, are being offered high-cost, lower-quality health insurance, to the point that their deductibles and out-of-pocket costs were so high, they were functionally uninsured.  Simply put, they cannot afford to use the insurance they have because the out-of-pocket expenses are so much higher than their financial means.  How is this possible in one of the wealthiest nations in the world?

The employers’ costs keep going up too. These costs tie up resources that the employer cannot reinvest into their businesses, be it investing in modern equipment, improved technology, or raises for their dedicated employees.

I had to find a way to help these employers and employees. Like the adage says, “the best way to get out of a hole is to stop digging.” I had to find a way to offset the ever-growing hyperinflated healthcare costs. The answer is not “insurer-built” health plans, but “employer-built” plans.

I must show companies how to treat healthcare like any other expense. They must look at the supply chain of healthcare and find ways to lower costs. The amazing part is that the best way to lower costs is to help their employees get healthier. Now my goal is to not only help working Americans financially but also physically.