You don't have to accept rising healthcare costs as inevitable. Get practical guidance to improve benefits for your people and take control of one of your largest expenses.
Meet Own Your Benefits · 3 minHosted by Steve Gingrich & Brandon Ernstes
Industry experts, healthcare leaders, and employers doing the work. Clear guidance you can bring to your next leadership meeting.
Have a story that could help other employers?
The best starting point isn't a product.
It's understanding what's possible.
Healthcare affects your people, their families, and the future of your company. We help leaders see their options clearly, understand the tradeoffs, and make decisions that fit their culture. Not someone else's playbook.
Understand your costs, your partners, and what your people need before making a move.
Better access, better care, and responsible spending belong in the same conversation.
Align your team around a long-term direction. Keep learning and improving throughout the year.
Specific published examples, with the comparison behind each result. Less avoidable spending. Better support for people. More informed leadership.
These are anonymized, client- or advisor-reported examples, not independently audited results or guarantees. The videos explain related strategies and are not proof of the exact LinkedIn case. Each metric has its own baseline and scope; do not combine these figures into a total. Every employer's options and outcomes differ.
Wondering what your own numbers could reveal? Bring your goals and questions. We'll start by listening.
You don't have to become a healthcare expert overnight. Bring these five questions to your team. They can change the conversation before you change the plan.
A simple, free discussion guide. Yours to use and share.
Start with your culture and your employees' experience. Align leadership on better access, affordability, health, and long-term business goals before talking about a funding structure.
Look at annual cost per employee, not just the renewal percentage. Compare like-for-like plans and populations, and ask what is actually driving spending.
Ask for clear compensation and contract terms, including commissions, fees, rebates, and incentives. Understand who benefits when your spending changes.
Consider primary care relationships, preventive visits, pharmacy access, and help navigating the plan. A lower price means little if people can't use their benefits.
Define what you'll measure, who owns each action, and when leadership will review progress. Think in years, with regular check-ins, rather than one annual transaction.
A funding structure is a tool, not the strategy. Start with the education, then consider what fits your workforce, your goals, and your tolerance for risk.
Learn how stop-loss protection, shared risk, and active plan management fit together, and what leadership should ask before making a change.
Watch the stop-loss & captive conversation 41-minute conversation · No signup requiredExplore Horizon's member-ownership and shared-risk approach. It's one option to evaluate, not the starting point or the right answer for every employer.
Explore Horizon Captive Eligibility, funding commitments, and risk-sharing terms require review.No purchase or advisor change is required to use these resources. Explore first. Ask questions when you're ready.
We're Steve and Brandon. What we love about this work is the impact it can have on employees and families, and the confidence it gives leaders who realize they have options.
Own Your Benefits is where we share what we're learning, ask honest questions, and bring more people into a better conversation about healthcare.
We're here to share perspective and learn from others. Choose the conversation you'd like to start.