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Category: Ethics & Accountability

Conflicts of interest, ethical responsibilities, vendor accountability, and decisions made in the best interests of plan participants.

Legal Doesn’t Mean Ethical

Legal Doesn’t Mean Ethical

December 1, 2025December 16, 2025 Steve Ditto

Legal Doesn’t Mean Ethical Fiduciaries Should Know the Difference Executive Brief Let’s say the quiet part out loud:Rebates take money from sick employees and help discount…

Post read time 6 min read
Whose Money Is It, Really?

Whose Money Is It, Really?

November 24, 2025December 16, 2025 Steve Ditto

Whose Money Is It, Really? The Rebate Dilemma Why fiduciaries must confront the conflict no one talks about Executive Brief It's Not About Percentages. It’s About…

Post read time 4 min read
The Rebate Trap

The Rebate Trap

November 17, 2025December 16, 2025 Steve Ditto

The Rebate Trap Why Employers Won’t Let Go And Why Fiduciaries May Not Have a Choice Much Longer Executive Brief Rebates have become the duct tape…

Post read time 5 min read
Twelve Steps of Fiduciary Recovery

Twelve Steps of Fiduciary Recovery

October 13, 2025December 2, 2025 Steve Ditto

Twelve Steps of Fiduciary Recovery Breaking Free From PBM Dependency Executive Brief Fiduciaries Anonymous is now in session. The first step to fixing your health plan?…

Post read time 3 min read
The Most Important Call Your CEO Hasn’t Taken Yet

The Most Important Call Your CEO Hasn’t Taken Yet

September 8, 2025December 2, 2025 Steve Ditto

The Most Important Call Your CEO Hasn’t Taken Yet Mark Cuban Is Ready to Dial In—Literally Executive Brief Why This Message Needs to Reach the C-Suite…

Post read time 5 min read
When Fiduciary Duty Clashes With Civic Duty

When Fiduciary Duty Clashes With Civic Duty

August 4, 2025December 2, 2025 Steve Ditto

When Fiduciary Duty Clashes With Civic Duty Should CEOs Join The Board Of A Hospital? Executive Brief You can’t serve two masters—especially when one sends your…

Post read time 4 min read
The Death of Common Sense

The Death of Common Sense

July 7, 2025December 16, 2025 Steve Ditto

When Five-Figure Pills Deliver Three-Week Benefits, Fiduciaries Must Intervene

Post read time 3 min read
What I Learned from 25 Newsletters

What I Learned from 25 Newsletters

June 2, 2025December 2, 2025 Steve Ditto

What I Learned from 25 Newsletters And a Lot of Lawsuits Executive Brief Welcome to Issue #26 of The Health Plan Compliance Advantage. Most newsletters don’t…

Post read time 3 min read
Employers Say They Put People First

Employers Say They Put People First

May 12, 2025December 16, 2025 Steve Ditto

Employers Say They Put People First Until Someone Gets Sick When that spreadsheet-driven plan design causes delays, denials, or dropped coverage, it’s not just a bad…

Post read time 5 min read
Why Companies Stick With Bad Vendors

Why Companies Stick With Bad Vendors

May 5, 2025December 16, 2025 Steve Ditto

Why Companies Stick With Bad Vendors The Psychology of Loyalty and the Legal Risk of Doing Nothing You’ve seen the headlines: lawsuits, subpoenas, FTC crackdowns. PBMs,…

Post read time 3 min read

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