Subscribe
Sign in
Home
Notes
All Posts
About
The Cavalry Isn't Coming
No one is going to reduce your healthcare spend except you.
May 5
•
DAVID SILVERSTEIN
One Story That Explains American Healthcare
How rational choices around ACA coverage, COBRA, and risk pools expose the fragile design of the U.S. healthcare system.
May 19
•
DAVID SILVERSTEIN
The Rise of Share Plans
What a growing alternative to traditional insurance reveals about the state of American healthcare.
Apr 22
•
DAVID SILVERSTEIN
You Are the Insurance Company, It's Time to Start Acting Like It
Self-funded employers have more power than they've been led to believe. Most just don't know it yet.
Apr 14
•
DAVID SILVERSTEIN
Thinking About Joining a Share Plan?
Seven things every potential health share plan member should know.
Apr 28
•
DAVID SILVERSTEIN
Weapons of Mass Corruption
View all
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
You're On The Clock, Drafting Your Next Broker
View all
You're On the Clock, Part 1: The Draft for Your Next Benefits Broker Starts Now
You’re on the clock. A series on taking control of your benefits strategy
Feb 5
•
DAVID SILVERSTEIN
You’re On the Clock, Part 2: Are You Ready to Draft a Franchise Broker?
Why even experienced HR leaders are at a disadvantage when choosing a benefits consultant.
Feb 4
•
DAVID SILVERSTEIN
You’re On the Clock, Part Three: The Blitz Is Coming
Championship teams win by studying film.
Feb 4
•
DAVID SILVERSTEIN
You’re On the Clock, Part Four: Eat the Dead Cap
Making the hard call when your benefits strategy isn’t delivering.
Feb 4
•
DAVID SILVERSTEIN
Employers
View all
One Story That Explains American Healthcare
How rational choices around ACA coverage, COBRA, and risk pools expose the fragile design of the U.S. healthcare system.
May 19
•
DAVID SILVERSTEIN
The Cavalry Isn't Coming
No one is going to reduce your healthcare spend except you.
May 5
•
DAVID SILVERSTEIN
What Your Benefits Consultant Isn’t Telling You About Their Paycheck
A look inside the hidden world of employee benefit consultant compensation.
Feb 18
•
DAVID SILVERSTEIN
I Don't Hate Brokers
I hate the system that turns honest brokers into cowards.
Feb 12
•
DAVID SILVERSTEIN
The Making of a Broken System
View all
Thinking About Joining a Share Plan?
Seven things every potential health share plan member should know.
Apr 28
•
DAVID SILVERSTEIN
The Rise of Share Plans
What a growing alternative to traditional insurance reveals about the state of American healthcare.
Apr 22
•
DAVID SILVERSTEIN
Enough with Value-Based Care
Value-based care and risk-based payment models are accelerating the path toward system collapse.
Feb 27
•
DAVID SILVERSTEIN
The Free Market Is the Only Force That Can Fix American Healthcare
The reckoning America cannot avoid.
Nov 17, 2025
•
DAVID SILVERSTEIN
This site requires JavaScript to run correctly. Please
turn on JavaScript
or unblock scripts
