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Posts in category: HDHPs

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Costco: Lessons from Member Obsession.

November 23, 2018
by Joe Andelin HDHPsIndustry TrendsMacro Trends

Some call them 'clients,' others,  'guests' or 'customers.' Costco (Ticker: COST, revenue $141B) calls them 'members,' a term that makes you feel like you're part of a special club. It's a club that will not sell you junkExcept bananas. Their bananas are ...

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Cadillac Consequences

November 8, 2018
by Joe Andelin EducationHDHPsThought Leadership

Mothers and psychologists remind us that we have a built-in bias to do what's easiest or to follow the path of least resistance. Water and electricity are like this. We are naturally lazy so to stick to an exercise plan, it should be something we like, wi ...

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Passive vs. Active in Investing and in Health

September 13, 2018
by Joe Andelin HDHPsInvesting

It has taken over 40 years for index investing to reach 20% market share. That's longer and less heft than most people would guess. But it's also a reminder of how a good idea can take generations of incremental awareness and results to move beyond shallo ...

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The All-You-Can-Eat-Healthcare-Buffet

August 29, 2018
by Joe Andelin HDHPsIndustry Trends

A couple of weeks ago I was with my family in Guanajuato, a beautiful and historic colonial city in central Mexico. Imagine a hillside version of Venice with winding alleys and colorful buildings. We arrived and settled in the rented apartment. We met Don ...

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The Cost of Being Over-Insured

June 26, 2018
by Joe Andelin HDHPsThought Leadership

$45,000.Forty-five thousand dollars is a conservative estimate of the 30-year opportunity cost of having family PPOPreferred Provider Organization coverage instead of a high deductible health plan (HDHP).According to the Kaiser Family Foundation ("Kaiser" ...

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