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Category: Benefits

Employer health plan strategy, benefits design, healthcare spending, and outcomes for employees and their families.

Access Is Not The Same As Control. Welcome to Issue #80

Access Is Not The Same As Control. Welcome to Issue #80

June 15, 2026June 15, 2026 Steve Ditto

Access Is Not The Same As Control Data rights means access. Data sovereignty means control. Executive Brief Twenty-five years ago, government procurement officers faced a problem.…

Post read time 5 min read
We Checked With Our PBM. We’re Good. Welcome to Issue #79

We Checked With Our PBM. We’re Good. Welcome to Issue #79

June 8, 2026June 8, 2026 Steve Ditto

We Checked With Our PBM. We're Good. Should you really let the foxes guard the hen house? Executive Brief A poultry inspector is out looking at…

Post read time 4 min read
The Two Words That Do Not Mean What You Think. Welcome to Issue #78

The Two Words That Do Not Mean What You Think. Welcome to Issue #78

June 1, 2026June 1, 2026 Steve Ditto

The Two Words That Do Not Mean What You Think Why "Pass-Through" and "Rebates" Require Definitions, Not Assumptions Executive Brief Two terms appear in nearly every…

Post read time 5 min read
The Language That Moves the Market. Welcome To Issue #77

The Language That Moves the Market. Welcome To Issue #77

May 26, 2026May 26, 2026 Steve Ditto

The Language That Moves the Market Model Contract Terms for Three Provisions That Define Fiduciary Alignment Executive Brief Over the past three weeks, we examined provisions…

Post read time 4 min read
The Lock That Seals Your Fate. Welcome To Issue #76

The Lock That Seals Your Fate. Welcome To Issue #76

May 18, 2026May 18, 2026 Steve Ditto

The Lock That Seals Your Fate Why 52% of PBM Contracts Fail the Exit Test Executive Brief You haven't been happy with your PBM and think…

Post read time 6 min read
You Found a Better Deal. Now Read Your Contract. Welcome To Issue #75

You Found a Better Deal. Now Read Your Contract. Welcome To Issue #75

May 11, 2026May 11, 2026 Steve Ditto

You Found a Better Deal. Now Read Your Contract. Why 86% of PBM Contracts Won't Let You Act On It Executive Brief Your specialty pharmacy spend…

Post read time 5 min read
Zero Out of Thirty. Welcome To Issue #74

Zero Out of Thirty. Welcome To Issue #74

May 4, 2026May 4, 2026 Steve Ditto

Zero Out of Thirty What Contract Data Reveals About Audit Rights Executive Brief Pull your PBM contract. Find the audit rights section. Read it carefully. Here's…

Post read time 4 min read
You Can’t Negotiate What You Can’t Compare. Welcome To Issue #73

You Can’t Negotiate What You Can’t Compare. Welcome To Issue #73

April 27, 2026April 27, 2026 Steve Ditto

You Can't Negotiate What You Can't Compare What Employers Learn When They Pool Contract Data Executive Brief Most employers negotiate their PBM contract blind. No benchmark.…

Post read time 7 min read
Your Contract Is The Foundation. Welcome To Issue #72

Your Contract Is The Foundation. Welcome To Issue #72

April 20, 2026April 20, 2026 Steve Ditto

Your Contract Is the Foundation Your Benefits Are Built On It Executive Brief Most employers signed whatever contract was put in front of them. They don't…

Post read time 6 min read
Your Experience Is Evidence. Use It.  Welcome To Issue #70

Your Experience Is Evidence. Use It. Welcome To Issue #70

April 13, 2026April 13, 2026 Steve Ditto

Your Experience Is Evidence. Use It. What You’ve Lived As A Fiduciary Matters Executive Brief The DOL comment period closes April 15. What you’ve lived as…

Post read time 5 min read

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