PAC & Forth - Ep.10 - Featuring Vincent Catalano - "Why does your premium keep climbing even in a clean year?"

Why does your premium keep climbing even in a clean year?In this episode of PAC & Forth, we sit down with Vincent Catalano, Founder and CEO of Clear Healthcare Solutions. Vincent brings decades of experience in employee benefits and insurance brokerage and now helps organizations manage cost and strategy across health care.We unpack:How brokers actually get paid, and why flat percentage commissions give them a raise when premiums rise.Why small practices under 20 employees have almost no negotiating power in the ACA risk pool.PEOs, level-funded plans, and the tools small practices can use to take back control.The rise of direct primary care and why employers are routing around traditional insurance.A no-nonsense look at the misaligned incentives baked into how benefits are bought and sold.For any physician who pays for benefits and wonders where the money actually goes, this is a must-listen.Tune in to hear how a longtime insider thinks physicians can start winning the benefits conversation.