Broken Healthcare by David Silverstein | Substack

The Draft for Your Next Benefits Broker Starts Now

You’re on the clock. A series on taking control of your benefits strategy

Jan 14 • DAVID SILVERSTEIN

LOL: How Washington Keeps Making Healthcare Worse

If only we could afford to laugh; but it’s not funny.

Jan 7 • DAVID SILVERSTEIN

The Hidden Cost of Family Health: What Employers Overlook in Self-Funded Plans

Ignoring spouses and children is a financial risk.

Dec 2, 2025 • DAVID SILVERSTEIN

Is Your Health Plan’s Network a Mirage?

When hospitals stretch the truth, employers and their employees pay the price.

Oct 22, 2025 • DAVID SILVERSTEIN

Who’s Steering the Ship?

How hospitals, insurers, and health systems manipulate patients into expensive care while claiming to have their best interests at heart.

Aug 4, 2025 • DAVID SILVERSTEIN

Weapons of Mass Corruption

Weapons of Mass Corruption Part 1: Point Solutions

How some employee benefit brokers and consultants exploit "point solution" rotations to mask rising costs and sow confusion.

Jul 7, 2025 • DAVID SILVERSTEIN

Weapons of Mass Corruption Part 2: Wrap Networks and Repricing

Wrap networks, spread pricing, revenue guarantees ... and a complete lack of transparency.

Jul 6, 2025 • DAVID SILVERSTEIN

Weapons of Mass Corruption Part 3: Deductibles

Deductibles are costing Americans billions and the reasons may surprise you.

Jul 6, 2025 • DAVID SILVERSTEIN

Weapons of Mass Corruption Part 4: Mandatory Claims Submission Clauses

Most employers have never seen the contract between their carrier and network.

Jul 3, 2025 • DAVID SILVERSTEIN

Employers

Will Employee Benefit Brokers Become a Relic of the Past?

When transparency rises, the middleman falls.

Nov 5, 2025 • DAVID SILVERSTEIN

The Employer's Vaccine Paradox

Opt-outs make opt-ins essential in the workforce.

Aug 29, 2025 • DAVID SILVERSTEIN

Employer and Employee Medical Costs Are About to Soar

Years of mismanagement, a dysfunctional economic system, general inflation, and the Big Beautiful Bill are colliding. Costs are about to soar!

Jul 10, 2025 • DAVID SILVERSTEIN

Are You Getting the Information You Deserve from Your Broker or Benefit Consultant?

Three-party systems are transparency killers.

Jul 9, 2025 • DAVID SILVERSTEIN

The Making of a Broken System

The Free Market Is the Only Force That Can Fix American Healthcare

The reckoning America cannot avoid.

Nov 17, 2025 • DAVID SILVERSTEIN

The Great Healthcare Hand-Off

It’s hard to know which way middle-class Americans should turn when both the government and the private sector are pointing at each other, and pushing…

Oct 7, 2025 • DAVID SILVERSTEIN

The American Healthcare System Is Failing

Five years from now, we won’t recognize the system we have today.

Aug 10, 2025 • DAVID SILVERSTEIN

The Nonprofit Paradox: Tax-Free Profits at the Expense of Communities

Why nonprofit hospitals should be taxed on their profits.

Jul 24, 2025 • DAVID SILVERSTEIN

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