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Growth in healthcare is rarely limited by demand. Employers want better outcomes. Members want better experiences. Communities want better access. And yet, many promising healthcare partnerships stall long before they reach scale. Not because the need disappears.But because alignment was never fully built. The Illusion of Early Momentum Healthcare partnerships often start strong. The value proposition is clear. The market response is encouraging. The distribution channels see

Over the last several years, transparency has been positioned as the solution. More data. More disclosure. More access to pricing, fees, and contracts. And to be fair, transparency was necessary. Employers deserved visibility into how their healthcare dollars were being spent. But something interesting happened along the way. Visibility increased. Trust did not. If anything, for many employers, the gap became more obvious. Transparency Shows You the Surface Transparency answ

Pharmacy has become the loudest conversation in employer healthcare. Drug pricing headlines. PBM scrutiny. Public frustration over costs that feel arbitrary and opaque. What’s interesting is not that pharmacy is suddenly broken. It ’s that pharmacy has become the place where long-standing structural issues are hardest to hide. Pharmacy didn’t create the dysfunction. It simply reveals it faster. Why Pharmacy Feels Different For many employers, pharmacy is the first place wher

For a long time, employer healthcare decisions lived in a comfortable category. Important, yes. Expensive, certainly. But largely treated as something that could be delegated, renewed, or managed around the edges. That framing is beginning to break down. Not because employers suddenly want to become healthcare experts, but because the consequences of healthcare decisions are becoming harder to ignore . Healthcare now sits at the intersection of financial risk, employee trust,

Every year, mid-market employers enter renewal season with a mix of dread and déjà vu. The binders are heavy, the spreadsheets endless,...

If you’ve been anywhere near LinkedIn this week, you probably saw the flood of posts coming out of RosettaFest in Denver . From...

Mid-market employers have spent the last few years building stronger fiduciary governance: better committee charters, tighter vendor...

Why smarter oversight is the CFO/CHRO’s new competitive advantage When “governance” stops being a box to check Most employer-sponsored...

You’ve audited your 401(k). You’ve benchmarked comp. But your health plan? That one’s still operating on trust. And that trust might be...

By Herb On Health | OVD Insurance | July 21, 2025 For years, HR leaders have been fighting to elevate the benefits conversation beyond...

There’s a quiet crisis unfolding in employee health plans across America’s mid-market. It’s not the cost of care rising—though it is....

If it feels like you’re spending more on pharmacy benefits but getting less for your people, you’re not alone. For years, Pharmacy...

If you’re signing the Form 5500, negotiating the stop-loss renewal, or reviewing the broker RFP— you’re the fiduciary . And if that makes...

"You may not be interested in fiduciary responsibility, but fiduciary responsibility is interested in you."– (If Tolstoy was a CFO…) For...

The PBM Audit Playbook: A Fiduciary Framework for Forward-Thinking Employers 🚨 Why This Matters Pharmacy Benefit Managers (PBMs) are...

When employers claim, “We already work with a PBM,” they often mean just that. But that statement doesn't speak to outcomes,...

By Herb Catausan | Founder, Herb On Health | Empowered by OVD Insurance Let’s have an honest conversation: If your PPO network contract...

I didn’t start my career in healthcare because I had all the answers. I started it because I was blindsided—just like so many others. In...