"In most presidential and midterm election year polling since 1992, health care ranked among voters' top concerns, with the economy taking the top spot in most elections," according to a new KFF report.

Thirty years in the business has taught Al Schiebel that while data and humor build the relationship, it's his 'people-first' conviction and grit that turn complex benefits into client peace of mind.

Out-of-pocket spending is rising faster than wages and inflation, driven in large part by a 65% increase in high-deductible health plan enrollment over the past decade.

"I don't think people realize how much health care costs are driving big companies to fire and not hire," he wrote in a social media post.

Kristine Scheer is a transformational force in benefits, replacing the industry's 'status quo' with a fiduciary-first approach that balances sophisticated data transparency with a deeply human-centered mission.

"Health care has reclaimed its position as Americans' foremost domestic concern, returning to the top tier after several years when economic matters commanded more attention," according to Gallup.

Dennis Hartin proves that leaning into complexity and radical transparency is the only way to fix a broken benefits system.

The in-network denial rate ranged from 3% to 36%, with significant variation by insurer and state. Three percent of reporting insurers had in-network denial rates of 30% or higher in 2024, a decrease from 17% in 2023.