5+ years ago at a Berkshire Hathaway shareholders' meeting, a doctor from California asked Buffett and Munger what they'd do to change healthcare and they said they didn't have any answers. As Buffett now says, "The ballooning costs of healthcare act as a hungry tapeworm on the American economy." I would add that it's a tapeworm we deserve (due to politics, bad regulations, screwy incentives, and poor collective health).   Photo by Wolfgang Hasselmann on Unsplash



To understand healthcare, pay attention to the stock market and companies' earnings filings. This way you can capture a glimpse of how companies make money, how much they pay to acquire, how their incentives are aligned, how healthcare exchanges work and what value they deliver, how interest rates may affect their revenue (see HSAs), what they omit, and much more. United Healthcare's 2017 commercial cost trend was 5.5% on $201B in revenue. With all the clout, data analytics, scale, acquisitions ...


How Competitive Are Your Benefits?

As 2018 sets in, the bull market continues and unemployment remains at historical lows. One question employees will be considering more, especially as they switch jobs: How competitive are my company's benefits? Olavi Group has published a nationwide tool and report on company contributions, plan types, funding strategies, ancillary programs, HSA funding levels, and more. Learn by geography, industry, and size whether your benefits are in the 25th, 50th, 90th percentile or more. Healthcare eng ...


Employees and Their Benefits

In November 2018 we did a survey on employee benefits. One lesson, people don't really like surveys, even if offered a $50 amazon gift card through a raffle. Below is a summary of the 6-question, 3-minute survey on employees and their benefits: Virtually all respondents listed low premiums as the thing they most appreciated about their benefits. The second most common response was network access to doctors. 2/3 of respondents are satisfied with their benefits and the employer subsidies offered ...