
CLEARly Beneficial Podcast · 2025-11-12 · 37 min
Why Health Insurance Costs Keep Rising - And What's Really Broken in the System Chris Moyer, President & CEO of ASR Health Benefits, reveals why healthcare costs continue their unsustainable climb and why most employers still don't understand their options for controlling them. Vincent and Chris discuss the role of third-party administrators (TPAs) in self-funded health plans, explaining how TPAs handle claims processing, network contracting, and customer service for employers who choose to self-fund their benefits. Chris notes that approximately 75% of mid-sized and larger employers in the United States self-fund their health insurance, yet most employees remain unaware their benefits are self-funded. The conversation explores why self-funding expertise remains uncommon among brokers and consultants, creating a significant market gap. They discuss the challenge of consultant training and how many are incentivized to stick with large insurance companies rather than providing strategic advice to clients.
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