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Author: Steve Ditto

Steve Ditto is a healthcare executive, author, and advisor with more than 30 years of experience across employer health benefits, PBM contracting, healthcare analytics, digital health, physician performance, and health systems science. He is a Board Advisor to Nautilus Health Institute, a Fellow at the Thomas F. Frist, Jr. College of Medicine, leads Contract X-Ray, and is the author of The Middleman’s Cut and the weekly newsletter of the same name.
DOL Just Wrote The Safe Harbor Argument.  Welcome To Issue #69

DOL Just Wrote The Safe Harbor Argument. Welcome To Issue #69

April 6, 2026April 6, 2026 Steve Ditto

DOL Just Wrote The Safe Harbor Argument You Have Ten Days To Help Put It On The Record. Executive Brief A safe harbor is one of…

Post read time 7 min read
April Fools? Not If You Read the Fine Print.  Welcome To Issue #69

April Fools? Not If You Read the Fine Print. Welcome To Issue #69

March 30, 2026March 30, 2026 Steve Ditto

April Fools? Not If You Read the Fine Print. The Pranks PBMs Play And How to See Through Them Executive Brief April Fools Day traces back…

Post read time 5 min read
Found a Better Deal? Your Contract Says No.  Welcome To Issue #68

Found a Better Deal? Your Contract Says No. Welcome To Issue #68

March 23, 2026March 23, 2026 Steve Ditto

Found a Better Deal? Your Contract Says No. Why Your PBM Has No Obligation to Optimize. And Penalizes You for Trying. Executive Brief Here’s a sentence…

Post read time 6 min read
The Rebate Trap.  Welcome To Issue #67

The Rebate Trap. Welcome To Issue #67

March 16, 2026March 16, 2026 Steve Ditto

The Rebate Trap Your Money. Their Leverage. Executive Brief Here's a scenario playing out in conference rooms across the country right now. An employer discovers their…

Post read time 8 min read
The 2029 Myth.  Welcome To Issue #66

The 2029 Myth. Welcome To Issue #66

March 9, 2026March 9, 2026 Steve Ditto

The 2029 Myth CAA 2026 Compliance Starts Now, Not in Three Years Executive Brief "It Doesn't Kick In Until 2029." That's the most misconstrued deadline in…

Post read time 5 min read
The Audit Test  Welcome To Issue #65

The Audit Test Welcome To Issue #65

March 2, 2026March 2, 2026 Steve Ditto

The Audit Test The Simplest Way to Know If Your PBM Is Transparent Executive Brief Here's a question telling you everything you need to know about…

Post read time 5 min read
The Old Dog’s New Trick.  Welcome To Issue #64

The Old Dog’s New Trick. Welcome To Issue #64

February 23, 2026February 23, 2026 Steve Ditto

The Old Dog’s New Trick Why a well-built AI prompt does something no form letter ever could Executive Brief Last week I gave you a PDF.…

Post read time 6 min read
We Wrote the DOL Comment Letter So You Don’t Have To

We Wrote the DOL Comment Letter So You Don’t Have To

February 18, 2026February 18, 2026 Steve Ditto

We Wrote the DOL Comment Letter So You Don't Have To Just Add Your Name The DOL proposed rule on PBM compensation disclosure is the first…

Post read time 1 min read
Show Me the Math  Welcome To Issue #63

Show Me the Math Welcome To Issue #63

February 16, 2026February 16, 2026 Steve Ditto

Show Me the Math What Your PBM Isn’t Showing You What would you do if you were told your PBM earned a 9% margin and researchers…

Post read time 7 min read
The Law Changed. The Game Hasn’t. Welcome To Issue #62

The Law Changed. The Game Hasn’t. Welcome To Issue #62

February 9, 2026February 9, 2026 Steve Ditto

The Law Changed. The Game Hasn’t. Cigna’s CEO Told Wall Street PBM Reform Won’t Affect Profits Executive Brief On February 3, 2026, President Trump signed the…

Post read time 11 min read

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