Insights
Occasional, short and practical. Written for finance leadership responsible for U.S. operations, not for the U.S. benefits market.
Note
August 2026
U.S. disclosure rules require broker and consultant compensation to be reported to the plan. The reports are often technically complete and practically uninformative. What a parent company should ask for instead.
Contracts
July 2026
Pricing guarantees are meaningful only in relation to how the contract defines a generic, a specialty drug and a rebate. The definitions, not the guarantees, determine the cost.
Stop-loss
June 2026
Late notice, lasering and contract-basis mismatches are the most common reasons a large claim funded by the employer is never recovered from the stop-loss insurer.
Governance
May 2026
A short list of documents that allow a parent company to demonstrate, years later, why a U.S. healthcare expenditure was approved and on what basis.
Notes are circulated privately to client leadership. To be included, write to us directly.
