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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
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DAVID SILVERSTEIN
The Cavalry Isn't Coming.
No one is going to reduce your healthcare spend except you.
May 5
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DAVID SILVERSTEIN
April 2026
Thinking About Joining a Share Plan?
Seven things every potential health share plan member should know.
Apr 28
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DAVID SILVERSTEIN
The Rise of Share Plans
What a growing alternative to traditional insurance reveals about the state of American healthcare.
Apr 22
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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
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DAVID SILVERSTEIN
February 2026
Enough with Value-Based Care
Value-based care and risk-based payment models are accelerating the path toward system collapse.
Feb 27
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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
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DAVID SILVERSTEIN
I Don't Hate Brokers
I hate the system that turns honest brokers into cowards.
Feb 12
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DAVID SILVERSTEIN
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
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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
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DAVID SILVERSTEIN
You’re On the Clock, Part Three: The Blitz Is Coming
Championship teams win by studying film.
Feb 4
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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
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DAVID SILVERSTEIN
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