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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.
The Question You Didn’t Ask. Welcome To Issue #61

The Question You Didn’t Ask. Welcome To Issue #61

February 2, 2026February 2, 2026 Steve Ditto

The Question You Didn't Ask What The Voluntary Benefits Lawsuits Reveal Executive Brief The Schlichter voluntary benefits lawsuits filed in December expose a two-part failure most…

Post read time 6 min read
13 Years as a Defendant. Welcome To Issue #60

13 Years as a Defendant. Welcome To Issue #60

January 26, 2026January 26, 2026 Steve Ditto

13 Years as a Defendant How One Recommendation Led To A $105 Million Lesson Executive Brief Thirteen years is a long time to be a defendant.…

Post read time 5 min read
Voluntary Benefits. Involuntary Liability. Issue #59

Voluntary Benefits. Involuntary Liability. Issue #59

January 19, 2026January 19, 2026 Steve Ditto

Voluntary Benefits. Involuntary Liability The ERISA Trap 80% of Employers Have Already Triggered Executive Brief In a recent Health Rosetta webinar on the Schlichter Bogard lawsuits,…

Post read time 7 min read
The Governance Reckoning. Issue #58

The Governance Reckoning. Issue #58

January 12, 2026January 12, 2026 Steve Ditto

The Governance Reckoning What Schlichter Lawsuits Mean for Health Plan Fiduciaries Executive Brief Last week, the Schlichter Bogard law firm, the same plaintiffs' attorneys who transformed…

Post read time 3 min read
The Year Fiduciary Risk Came Home

The Year Fiduciary Risk Came Home

January 5, 2026January 5, 2026 Steve Ditto

The Year Fiduciary Risk Came Home Why Healthcare Just Entered Its 401(k) Moment Most years begin with predictions.This one begins with confirmation. For nearly a decade,…

Post read time 4 min read
A New Year Reset for Fiduciaries

A New Year Reset for Fiduciaries

December 29, 2025December 29, 2025 Steve Ditto

A New Year Reset for Fiduciaries Clarity Isn’t Coming. It’s Chosen. A new year doesn’t magically fix what’s broken. January reveals who is willing to keep…

Post read time 3 min read
It’s Hard Out Here for a Fiduciary

It’s Hard Out Here for a Fiduciary

December 22, 2025December 22, 2025 Steve Ditto

It’s Hard Out Here for a Fiduciary Year-End Reality Check Being a fiduciary was never supposed to be easy. But does it need to be this…

Post read time 3 min read
How to Get Real Value From This Newsletter

How to Get Real Value From This Newsletter

December 15, 2025December 16, 2025 Steve Ditto

How to Get Real Value From This Newsletter Welcome! Let’s Get You Oriented. If you’re new(ish) or haven’t yet explored all the newsletter issues, this is…

Post read time 3 min read
Ends Tonight: Fiduciary Handbook Giveaway

Ends Tonight: Fiduciary Handbook Giveaway

December 12, 2025December 16, 2025 Steve Ditto

Download Before They’re Gone Don’t Miss This (Deadline Tonight) Just a quick final reminder. Today is the last day to download your free anniversary gifts. If…

Post read time 1 min read
Quick Reminder: Your Fiduciary Resources Are Waiting (Deadline Friday)

Quick Reminder: Your Fiduciary Resources Are Waiting (Deadline Friday)

December 10, 2025December 16, 2025 Steve Ditto

Your Fiduciary Resources Are Waiting Don’t Miss This (Deadline Friday) On Monday, I shared a set of gifts to mark the one-year anniversary of this newsletter.…

Post read time 1 min read

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