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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.
What Health Plan Lawsuits Reveal

What Health Plan Lawsuits Reveal

April 28, 2025December 2, 2025 Steve Ditto

What Health Plan Lawsuits Reveal And How to Stay Out of Them You may never find yourself in court over your company’s health plan. But that…

Post read time 4 min read
Boardroom Risk Alert

Boardroom Risk Alert

April 21, 2025December 2, 2025 Steve Ditto

Boardroom Risk Alert Fiduciary Failure Leads to Personal Liability Inflation, wage pressure, rising drug costs, and tariffs on products and supplies are squeezing health plan budgets.…

Post read time 3 min read
Compensation Disclosure

Compensation Disclosure

April 14, 2025December 2, 2025 Steve Ditto

Compensation Disclosure Time for Brokers to Come Clean The world of employee benefits is changing—and so is the expectation around who works for whom. For decades,…

Post read time 4 min read
Making Prudent Vendor Decisions

Making Prudent Vendor Decisions

April 7, 2025December 2, 2025 Steve Ditto

Making Prudent Vendor Decisions A Fiduciary and Strategic Imperative Here’s the uncomfortable truth: Many of the problems plaguing employer health plans are compliance failures rooted in…

Post read time 4 min read
Why Employees Pay More for Prescription Drugs

Why Employees Pay More for Prescription Drugs

March 31, 2025December 2, 2025 Steve Ditto

Why Employees Pay More for Prescription Drugs What Can Employers Do About It? It’s a question every health plan sponsor should be asking: Why are employees…

Post read time 3 min read
Smarter Approach to PBM Management

Smarter Approach to PBM Management

March 24, 2025December 2, 2025 Steve Ditto

Smarter Approach to PBM Management The PBM Landscape The Big 6 PBMs—CVS Health, Express Scripts, OptumRx, Humana Pharmacy Solutions, MedImpact, and Prime Therapeutics—control 94% of the…

Post read time 3 min read
Rising Risk of Pharmacy Benefits

Rising Risk of Pharmacy Benefits

March 17, 2025December 2, 2025 Steve Ditto

Rising Risk of Pharmacy Benefits Board Directors Are Now Named Defendants Recent lawsuits against major corporations highlight a growing risk: PBM mismanagement is leading to overspending,…

Post read time 4 min read
Controlling Medical Benefit Drug Spending

Controlling Medical Benefit Drug Spending

March 10, 2025December 2, 2025 Steve Ditto

Employers target PBMs to curb drug costs but often miss a big issue—specialty J-code drugs billed under medical benefits

Post read time 3 min read
Mental Health Benefits

Mental Health Benefits

March 3, 2025December 2, 2025 Steve Ditto

Adequate mental health benefits are a fiduciary responsibility and growing legal risk for employer health plans.

Post read time 3 min read
Smart Shopping for Healthcare

Smart Shopping for Healthcare

February 24, 2025December 2, 2025 Steve Ditto

Smart Shopping for Healthcare The Employer’s Role in Price Transparency Imagine running a business where employees make purchasing decisions without knowing the cost—only to find out…

Post read time 2 min read

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